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543 W 12th St, Mishawaka, IN, 46544

2beds
3baths
2,079sqft
$249,900
$120price/sqft
$1,831/moest. monthly cost
$73,240/yrincome needed

About This Home

This well-maintained brick ranch offers 1144 square feet on the main level, featuring 2 bedrooms and 2 full bathrooms. The finished basement expands the living space with an additional full bathroom, a spacious entertainment area with bar, and a dedicated laundry room. A versatile bonus room—currently used as a bedroom and office combination (no egress)—provides flexibility for a variety of needs. Step outside to enjoy the fenced backyard, complete with a patio—ideal for relaxing or entertaining. This home offers a functional layout with room to adapt to your lifestyle.

Getting Around

56
WalkingSomewhat Walkable
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

4/10
Emmons Elementary SchoolGrades K-60.5 mi
5/10
4/10
Mishawaka High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1978

Materials

  • Roof: Asphalt
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Electric Range

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Concrete

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 2

Features

  • 1st Bdrm En Suite,Bar,Laminate Counters
  • Flooring: Carpet,Tile,Vinyl
  • Finished area below ground: 935
  • Finished area above ground: 1,144

Heating & Cooling

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

Interior Area

  • Total structure area: 2,288
  • Total interior livable area: 2,079 sqft

Property

Details

  • Parcel number: 710916390003.000023

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 6,599 sqft
  • Features: Level,City/Town/Suburb
  • Lot size dimensions: 60 x 110

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

How This Home’s Risks Compare

Cold Wave
Hail
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 $1,263$15,156
Home Insurance *$151$1,812
Property Taxes $227$2,724
Electricity $190$2,286
Total$1,831$21,972
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,777/yr
40% on housing$54,930/yr
45% on housing$48,826/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

$120This listing

vs Other Active Listings

Avg $/sqft

ZIP 46544$108
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)

Price History

DateEventPrice
2026-05-01Listed for sale$249,900
2017-07-28Sold$137,000
2017-07-27Pending sale$137,000
2017-07-27Listed for sale$137,000
2006-09-20Sold$128,000

For Sale by Agent

AgentLarry Dietl
BrokerageCressy & Everett - Plymouth

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