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2395 Jefferson St, Gary, IN, 46407

5beds
2baths
1,001sqft
$220,000
$220price/sqft
$2,155/moest. monthly cost
$86,200/yrincome needed

About This Home

Beautifully renovated brick home offering 5 bedrooms and 2 full bathrooms with modern updates throughout. This move-in-ready residence features all-new finishes, including updated flooring, fresh paint, contemporary lighting, stylish fixtures, and a fully updated kitchen and bathrooms designed with today's buyer in mind. Spacious layout with generous living areas, abundant natural light, and functional design perfect for both everyday living and entertaining. A rare opportunity to own a fully updated home that combines timeless brick construction with modern comfort and style.

Getting Around

50
WalkingCar-Dependent
0
TransitVery Limited Transit
61
BikeBikeable

Schools

4/10
3/10
Gary Middle SchoolGrades 6-85.4 mi
1/10

Construction

Condition

  • Year built: 1922

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Gas Range,Refrigerator,Microwave,Dishwasher

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom2

  • Level: Main
  • Area: 81
  • Dimensions: 9.0 x 9.0

Bedroom3

  • Level: Main
  • Area: 81
  • Dimensions: 9.0 x 9.0

Bedroom4

  • Level: Main
  • Area: 81
  • Dimensions: 9.0 x 9.0

Bedroom5

  • Level: Main
  • Area: 81
  • Dimensions: 9.0 x 9.0

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Bonus Room

  • Level: Basement
  • Area: 81
  • Dimensions: 9.0 x 9.0

Dining Room

  • Level: Main
  • Area: 81
  • Dimensions: 9.0 x 9.0

Features

  • None
  • Finished area above ground: 1,001

Heating

  • Heating features: Has Heating (Unspecified Type)

Interior Area

  • Total structure area: 1,001
  • Total interior livable area: 1,001 sqft

Kitchen

  • Level: Main
  • Area: 81
  • Dimensions: 9.0 x 9.0

Living Room

  • Level: Main
  • Area: 81
  • Dimensions: 9.0 x 9.0

Primary Bedroom

  • Level: Main
  • Area: 81
  • Dimensions: 9.0 x 9.0

Property

Details

  • Parcel number: 450816277020000004
  • Special condition: None

Features

  • Levels: One
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 3,005 sqft
  • Features: Back Yard

Parking

  • Parking features: None

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
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tornado
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 $1,112$13,344
Home Insurance *$469$5,628
Property Taxes $390$4,680
Electricity $184$2,212
Total$2,155$25,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,885/yr
40% on housing$64,650/yr
45% on housing$57,466/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

$220This listing

vs Other Active Listings

Avg $/sqft

ZIP 46407$30
Lake County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 46407$53
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)

Price History

DateEventPrice
2026-07-06Listed for sale$220,000
2026-06-16Pending sale$220,000
2026-05-21Listed for sale$220,000
2025-01-14Sold$30,000
2023-07-19Sold$20,000
2021-06-10Sold$500

For Sale by Agent

AgentAshley Tarver
Brokerage@properties/Christie's Intl RE

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