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419 W High St, Elkhart, IN, 46516

4beds
2baths
2,110sqft
$249,900
$118price/sqft
$1,965/moest. monthly cost
$78,600/yrincome needed

About This Home

The moment you step through the front door your feet touch gleaming hardwood floors with a rich dark restored finish. These floors run throughout the home, adding warmth and character, each plank telling its own story through subtle imperfections that enhance the authenticity of the space. This updated two story home with four (possibly five) spacious bedrooms and two full bathrooms is close to the downtown Riverwalk, parks, shopping, restaurants, and the Aquatic Center. The kitchen, while respecting the home's vintage feel, features stainless steel appliances, new countertops, and plenty of cabinetry that complements the historical architecture. Two new modern tiled bathrooms, main level laundry, built in book shelves, and a large open front porch are just a few of the features of this home. The original fireplace is now decorative and anchors the living room. Don't miss the two car detached garage out back and the walk up attic that could be finished for a future primary suite.

Getting Around

76
WalkingVery Walkable
0
TransitVery Limited Transit
68
BikeBikeable

Schools

3/10
2/10
North Side Middle SchoolGrades 7-81.3 mi
2/10
Elkhart High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 1910

Materials

  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Washer,Dryer-Gas,Gas Range

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Window features: Blinds
  • Number of fireplaces: 1
  • Fireplace features: None
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,110

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 3,090
  • Total interior livable area: 2,110 sqft

Property

Details

  • Parcel number: 200605384004.000012

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 6,969 sqft
  • Features: Level
  • Lot size dimensions: 41 x 165

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind

FEMA Declared Disasters Across Indiana Counties

Flood
Snowstorm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,263$15,156
Home Insurance *$184$2,208
Property Taxes $325$3,900
Electricity $193$2,321
Total$1,965$23,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,371/yr
40% on housing$58,950/yr
45% on housing$52,400/yr

Indiana FAIR Plan Programs

Indiana Basic Property Insurance Underwriting Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 810Commercial: 30
Total Premiums$1.77M
Total Exposure$1.82M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 4.6%
4.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$118This listing

vs Other Active Listings

Avg $/sqft

ZIP 46516$126
Elkhart County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 46516$126
Elkhart County$136

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-01Listed for sale$249,900
2026-05-01Listing removed$249,900
2025-10-30Price change$249,900
2025-10-10Listed for sale$252,900
2025-10-07Listing removed$252,900
2025-09-23Price change$252,900
2025-08-15Price change$257,400
2025-07-10Price change$259,900
2025-02-28Listed for sale$263,900
2025-01-28Listing removed$263,900
2024-10-07Listed for sale$263,900
2024-03-14Sold$126,000
2024-02-29Pending sale$135,000
2024-02-21Listed for sale$135,000
2021-01-06Listing removed--
2020-12-18Listed for rent$725
2006-05-12Sold$75,000

For Sale by Agent

AgentHeidi Gaskill
BrokerageBerkshire Hathaway HomeServices Elkhart

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