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323 E Simonton St, Elkhart, IN, 46514

3beds
2baths
1,088sqft
$99,900
$92price/sqft
$900/moest. monthly cost
$36,000/yrincome needed

About This Home

Duplex. Front is 2 bedroom, 1 bath. Back is 1 bedroom, 1 bath. Split electric meters. Bonus 2nd parcel/side lot included. Sold as-is, where-is. Cash buyers with proof of funds only.

Getting Around

60
WalkingSomewhat Walkable
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

4/10
2/10
North Side Middle SchoolGrades 7-80.3 mi
2/10
Elkhart High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Electric Range,Electric Water Heater,Gas Water Heater

Basement

  • Basement: None

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,088

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Other

Interior Area

  • Total structure area: 1,214
  • Total interior livable area: 1,088 sqft

Property

Details

  • Parcel number: 200232456003.000027

Features

  • Levels: One and One Half
  • Stories: 1

Lot

  • Lot size: 7,840 sqft
  • Features: 0-2.9999
  • Lot size dimensions: 62X132

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 WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Hail
Lightning
Tornado
Winter Weather

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 $505$6,060
Home Insurance *$52$624
Property Taxes $159$1,908
Electricity $184$2,212
Total$900$10,800
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$30,857/yr
40% on housing$27,000/yr
45% on housing$24,000/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

$92This listing

vs Other Active Listings

Avg $/sqft

ZIP 46514$144
Elkhart County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 46514$134
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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Pending sale$89,900
2026-08-06Price change$89,900
2026-07-30Listed for sale$99,900
2017-02-06Listing removed$43,000
2015-09-30Listed for sale$43,000
2012-02-15Sold$2,224
2009-12-04Sold$4,450
2009-07-07Sold$3,450
2009-01-09Sold$25,807

For Sale by Agent

AgentCory White
BrokerageRealty Group Resources

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