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1109 E Us Highway 40, Brazil, IN, 47834

4beds
2baths
2,080sqft
$285,000
$137price/sqft
$1,953/moest. monthly cost
$78,120/yrincome needed

About This Home

Looking for a home where the major updates have already been completed, but there's still room to add your own personal touches? This spacious 1,800 sq. ft. home offers just that. Situated on a beautiful 1-acre lot with mature trees, this 4-bedroom, 2-bath property provides the perfect balance of comfort, space, and opportunity. Inside, you'll find two separate living rooms, giving everyone room to spread out and enjoy their own space. One living area features a cozy fireplace, creating a warm and inviting atmosphere for family gatherings or relaxing evenings at home. The large primary suite offers a peaceful retreat with a walk-in closet and beautiful views overlooking the backyard. Outside, you'll appreciate the detached 2-car garage, asphalt driveway, and spacious yard with plenty of room for outdoor activities, gardening, or simply enjoying the shade of established trees. The current seller has already addressed many of the important improvements, making this home FHA and VA financing friendly, allowing buyers to move forward with confidence. With the major items already taken care of, you'll have the freedom to focus on the cosmetic updates and personal touches that make a house truly feel like home. If you're looking for a property with solid bones, generous living space, and the opportunity to build equity through your own style and vision, this one deserves a closer look.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

7/10
6/10
North Clay Middle SchoolGrades 6-84.6 mi
4/10
Northview High SchoolGrades 9-124.4 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Brick/Mortar,Cellar
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Farmhouse,Ranch
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Partial

Bedroom2

  • Level: Main
  • Area: 168
  • Dimensions: 14x12

Bedroom3

  • Level: Main
  • Area: 169
  • Dimensions: 13x13

Bedroom4

  • Level: Main
  • Area: 156
  • Dimensions: 13x12

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Family Room

  • Level: Main
  • Area: 169
  • Dimensions: 13x13

Features

  • Attic Access,Built-in Features,Hardwood Floors
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Insert,Living Room
  • Fireplace: Yes
  • Attic: Access Only
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,080
  • Total interior livable area: 2,080 sqft

Kitchen

  • Level: Main
  • Area: 195
  • Dimensions: 13x15

Living Room

  • Level: Main
  • Area: 408
  • Dimensions: 24x17

Master Bedroom

  • Level: Main
  • Area: 182
  • Dimensions: 14x13

Property

Details

  • Parcel number: 110128300048000016
  • Special condition: As Is,Sales Disclosure On File
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered

Lot

  • Lot size: 1 Acres
  • Features: Not In Subdivision,Sidewalks,Street Lights,Mature Trees

Parking

  • Total spaces: 3
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Hail
Tornado
Earthquake
Heat Wave
Inland Flooding
Ice Storm
Lightning

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 $1,441$17,292
Home Insurance *$287$3,444
Property Taxes $35$420
Electricity $190$2,288
Total$1,953$23,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,960/yr
40% on housing$58,590/yr
45% on housing$52,080/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$137This listing

vs Other Active Listings

Avg $/sqft

ZIP 47834$137
Clay County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 47834$117
Clay County$101

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
2026-08-10Price change$277,000
2026-06-19Listed for sale$285,000
2026-01-07Sold$122,500
2025-12-03Pending sale$122,500
2025-11-14Listed for sale$122,500
2020-01-14Listing removed$130,000
2019-11-26Pending sale$130,000
2019-11-20Listed for sale$130,000

For Sale by Agent

AgentStephanie Feltner
BrokerageDyer Creek Property Group, LLC

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