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9617 White Oak Ave, Munster, IN, 46321

3beds
2baths
2,712sqft
$437,900
$161price/sqft
$3,095/moest. monthly cost
$123,800/yrincome needed

About This Home

Meticulously maintained brick and cedar ranch offering over 2,100 sq. ft. of main-level living! Total living space over 3000 square feet. This move-in-ready home has all the majors completed, leaving you free to add your own personal style and finishing touches. Step into the spacious living room that flows seamlessly into the dining room. Kitchen has Sliding doors that lead to the back patio and open to the cozy family room that features a beautiful fireplace, creating the perfect gathering space. The private backyard is fully enclosed with a NEW cedar fence and offers the added benefit of no neighbors behind you. Inside, you'll appreciate the generous room sizes throughout. The primary bedroom includes its own private bath and Beautiful French doors add charm and character, while bedrooms two and three are both spacious and feature two closets each. The convenient main-level laundry/mud room is located just off the attached garage. Plus a finished basement that provides even more space for entertaining, gatherings, hobbies, or an office. Unfinished area for storage and workspace and a crawl space. Recent improvements include: NEW Hot water heater (2026) Newer furnace with electronic air cleaner and humidifier, NEW AC(2025), Generac generator (3 years old and included) Roof approximately 12 years old, Exterior professionally painted last year. This well-cared-for home offers space, comfort, and peace of mind with major mechanical updates already completed. Just move in and add your personal touches. Close to parks, hospital, schools, stores, and restaurants. New Train Station too.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

9/10
10/10
Munster High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1977

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Washer,Refrigerator,Dishwasher
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Finished

Bedroom2

  • Level: Main
  • Area: 180
  • Dimensions: 15.0 x 12.0

Bedroom3

  • Level: Main
  • Area: 132
  • Dimensions: 12.0 x 11.0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: Main
  • Area: 154
  • Dimensions: 14.0 x 11.0

Family Room

  • Level: Main
  • Area: 504
  • Dimensions: 24.0 x 21.0

Family Room

  • Level: Basement
  • Area: 525
  • Dimensions: 25.0 x 21.0

Features

  • Ceiling Fan(s),Open Floorplan,Kitchen Island,His and Hers Closets,Eat-in Kitchen
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Gas
  • Fireplace: Yes
  • Finished area above ground: 2,137

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 2,712
  • Total interior livable area: 2,712 sqft

Kitchen

  • Level: Main
  • Area: 187
  • Dimensions: 17.0 x 11.0

Laundry

  • Level: Main
  • Area: 72
  • Dimensions: 12.0 x 6.0

Living Room

  • Level: Main
  • Area: 238
  • Dimensions: 17.0 x 14.0

Primary Bedroom

  • Level: Main
  • Area: 204
  • Dimensions: 17.0 x 12.0

Property

Details

  • Parcel number: 450730479013000027
  • Special condition: None

Features

  • Levels: One
  • Patio & porch: Enclosed
  • Exterior features: Private Yard
  • Fencing: Back Yard
  • Has view: Yes
  • View description: Neighborhood,Trees/Woods

Lot

  • Lot size: 0.41 Acres
  • Features: Back Yard,Landscaped

Parking

  • Total spaces: 2.5
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5

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
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters Across Indiana Counties

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tornado

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 $2,214$26,568
Home Insurance *$203$2,436
Property Taxes $430$5,160
Electricity $248$2,983
Total$3,095$37,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,114/yr
40% on housing$92,850/yr
45% on housing$82,533/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$161This listing

vs Other Active Listings

Avg $/sqft

ZIP 46321$161
Lake County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 46321$155
Lake County$150

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$437,900
2026-07-21Listed for sale$437,900
2026-07-05Contingent$449,900
2026-06-05Listed for sale$449,900

For Sale by Agent

AgentMary Powers
BrokerageRE/MAX Realty Associates

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