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22784 State Road 120, Elkhart, IN, 46516

2beds
1baths
905sqft
$184,900
$204price/sqft
$1,345/moest. monthly cost
$53,800/yrincome needed

About This Home

Charming Concord all brick ranch. Full basement. New roof, large yard on a corner lot. Extra lot to the east included.

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

5/10
4/10

Construction

Condition

  • Year built: 1951

Materials

  • Roof: Asphalt
  • Construction materials: brick

Type & Style

  • Home type: SingleFamily

Interior

Basement

  • Basement: Partially finished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Heating & Cooling

  • Heating features: Forced air
  • Cooling features: Central

Interior Area

  • Total interior livable area: 905 sqft

Property

Details

  • Parcel number: 200236377001000009

Features

  • Exterior features: Brick

Lot

  • Lot size: 8,712 sqft

Parking

  • Parking features: Garage - Attached

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
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
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 $934$11,208
Home Insurance *$136$1,632
Property Taxes $91$1,092
Electricity $184$2,212
Total$1,345$16,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,114/yr
40% on housing$40,350/yr
45% on housing$35,866/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

$204This listing

vs Other Active Listings

Avg $/sqft

ZIP 46516$127
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)

No zestimate history available

Price History

DateEventPrice
2026-08-06Pending sale$184,900
2026-08-02Listed for sale$184,900
2024-09-11Listing removed$1,700
2024-08-11Listed for rent$1,800
2024-07-24Listing removed--
2024-07-09Listed for rent$1,800
2022-08-12Listing removed--
2022-07-28Pending sale$169,950
2022-07-06Price change$169,950
2022-06-24Listed for sale$179,900
2022-06-24Pending sale$179,900
2022-06-24Listed for sale$179,900
2008-12-23Listing removed$75,000
2008-12-11Listed for sale$75,000

For Sale by Owner

AgentProperty Owner

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