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821 S 12th St, Goshen, IN, 46526

2beds
1baths
672sqft
$160,000
$238price/sqft
$1,314/moest. monthly cost
$52,560/yrincome needed

About This Home

Move-in ready and full of value! This charming 2-bedroom, 1-bath home offers 672 square feet of comfortable living space and is perfect for first-time buyers, those looking to downsize, or even for investors. Major updates include a new furnace, new central A/C, and a durable metal roof, providing peace of mind for years to come. Outside, you'll love the fenced backyard, perfect for pets, play, or entertaining, along with a detached garage for additional storage and parking. Situated on a 0.12-acre lot in a convenient Goshen location near schools, parks, shopping, and downtown amenities, this home is ready for its new owner. Don't miss this affordable, move-in ready opportunity!

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

6/10
6/10
Goshen Middle SchoolGrades 7-81.3 mi
3/10
Goshen High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

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

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 672

Heating & Cooling

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

Interior Area

  • Total structure area: 672
  • Total interior livable area: 672 sqft

Kitchen

  • Level: Main
  • Area: 96

Living Room

  • Level: Main
  • Area: 192

Property

Details

  • Parcel number: 201115176019.000015

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 5,227 sqft
  • Features: Level,0-2.9999
  • Lot size dimensions: 39X132

Parking

  • Total spaces: 1
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Inland Flooding
Strong Wind
Winter Weather
Lightning

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 $809$9,708
Home Insurance *$76$912
Property Taxes $245$2,940
Electricity $184$2,212
Total$1,314$15,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,051/yr
40% on housing$39,420/yr
45% on housing$35,040/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

$238This listing

vs Other Active Listings

Avg $/sqft

ZIP 46526$147
Elkhart County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 46526$140
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
2026-08-10Pending sale$160,000
2026-07-28Listed for sale$160,000
2025-05-13Sold$144,500
2025-04-18Pending sale$144,500
2025-04-04Listed for sale$144,500
2025-03-24Pending sale$144,500
2025-03-13Listed for sale$144,500

For Sale by Agent

AgentDeb Paton Showley
BrokerageColdwell Banker Real Estate Group

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