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1014 Union St, Mishawaka, IN, 46544

2beds
1baths
788sqft
$139,900
$178price/sqft
$1,098/moest. monthly cost
$43,920/yrincome needed

About This Home

Charming Updated 2-Bedroom Home at a Fantastic Price! Step inside this adorable, freshly updated 2-bedroom home that combines comfort and style perfectly. You'll fall in love with the brand-new kitchen featuring modern cabinets, sleek countertops, and all-new appliances including a range, microwave, and dishwasher—making meal prep a breeze! Start your mornings right in the clean and bright bathroom, beautifully refreshed for a fresh, inviting feel. The two nicely sized bedrooms offer plenty of space to relax and unwind. Fresh paint, lighting, and flooring throughout. Need more room? The full basement provides ample space for storage, hobbies, or finish it for extra living areas. Outside, a handy shed is perfect for storing tools and garden gear. Plus, a new roof gives you peace of mind for years to come. Don’t miss out on this wonderful home that’s move-in ready and waiting just for you!

Getting Around

67
WalkingSomewhat Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

4/10
Emmons Elementary SchoolGrades K-60.2 mi
5/10
4/10
Mishawaka High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1926

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Electric Range

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Features

  • Flooring: Carpet,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 788

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,388
  • Total interior livable area: 788 sqft

Kitchen

  • Level: Main
  • Area: 180

Living Room

  • Level: Main
  • Area: 168

Property

Details

  • Parcel number: 710915360003.000023
  • Zoning: R1

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 4,791 sqft
  • Features: 0-2.9999,City/Town/Suburb
  • Lot size dimensions: 40X115

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
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
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 $707$8,484
Home Insurance *$84$1,008
Property Taxes $123$1,476
Electricity $184$2,212
Total$1,098$13,176
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$37,645/yr
40% on housing$32,940/yr
45% on housing$29,280/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$178This listing

vs Other Active Listings

Avg $/sqft

ZIP 46544$109
St. Joseph County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 46544$137
St. Joseph County$131

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$139,900
2026-07-25Listed for sale$139,900
2026-02-23Sold$16,000

For Sale by Agent

AgentBrad Beer
BrokerageHeart City Realty LLC

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