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4409 Adams St, Gary, IN, 46408

3beds
2baths
4,660sqft
$210,000
$45price/sqft
$1,867/moest. monthly cost
$74,680/yrincome needed

About This Home

Charming Brick Home with Dual Living Spaces. Welcome to this spacious brick home at 4409 Adams St, featuring both a cozy living room and a separate family room for effortless entertaining. The traditional layout includes a formal dining room perfect for holiday meals, complemented by comfortable carpeting throughout the bedrooms. You will love the unique character of the two chimneys and the incredible storage potential offered by the full basement. Outside, the property sits in a convenient Gary location near IU Northwest and major expressways. This solid home is move-in ready and waiting for your personal touch!

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

3/10
Glen Park AcademyGrades K-50.7 mi
4/10
1/10

Construction

Condition

  • Year built: 1925

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Refrigerator,Microwave,Gas Water Heater
  • Laundry features: Electric Dryer Hookup,Washer Hookup,Gas Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Unfinished

Bedroom2

  • Area: 132
  • Dimensions: 11.0 x 12.0

Bedroom3

  • Area: 132
  • Dimensions: 11.0 x 12.0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Area: 150
  • Dimensions: 10.0 x 15.0

Family Room

  • Area: 200
  • Dimensions: 20.0 x 10.0

Features

  • Ceiling Fan(s),Recessed Lighting,Open Floorplan,Granite Counters
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Wood Burning,Living Room
  • Fireplace: Yes
  • Finished area above ground: 2,840

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 4,660
  • Total interior livable area: 4,660 sqft

Kitchen

  • Area: 165
  • Dimensions: 15.0 x 11.0

Living Room

  • Area: 288
  • Dimensions: 24.0 x 12.0

Primary Bedroom

  • Area: 165
  • Dimensions: 15.0 x 11.0

Property

Details

  • Parcel number: 450828482002000004
  • Zoning description: residential
  • Special condition: None

Features

  • Levels: Two
  • Pool features: None
  • Exterior features: Rain Gutters
  • Fencing: Chain Link
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 7,623 sqft
  • Features: Back Yard,Near Public Transit,Front Yard,Few Trees

Parking

  • Total spaces: 2
  • Parking features: Detached,Concrete,Alley Access
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    TornadoRelatively High
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tornado
Lightning
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 $1,061$12,732
Home Insurance *$226$2,712
Property Taxes $153$1,836
Electricity $427$5,126
Total$1,867$22,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,011/yr
40% on housing$56,010/yr
45% on housing$49,786/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

$45This listing

vs Other Active Listings

Avg $/sqft

ZIP 46408$53
Lake County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 46408$94
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
2026-05-08Listed for sale$220,000
2025-11-20Listing removed$79,000
2025-11-14Price change$79,000
2025-11-05Price change$84,000
2025-10-25Listed for sale$89,000
2025-10-08Sold$50,000

For Sale by Agent

AgentJuan Miranda Mondragon
BrokerageRealty of America LLC

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