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302 Ostemo Pl, South Bend, IN, 46617

3beds
3baths
2,517sqft
$279,000
$111price/sqft
$2,079/moest. monthly cost
$83,160/yrincome needed

About This Home

Located in the highly desirable Northshore Triangle neighborhood, this home is just minutes from Notre Dame, Memorial Hospital, and downtown South Bend. This classic home features the timeless charm and character for which the area is celebrated. The interior boasts unique architectural details, including curved entryways, custom plantation blinds, and beautiful hardwood flooring. While the property is being sold as-is and requires some updating, it offers a perfect canvas to make it your own. A notable feature of this home is the converted garage, which now serves as a versatile living space with its own half bathroom and separate entrance—ideal for a home office, guest suite, or studio. Additionally, the property includes a welcoming side portico, a private back patio, and a lower-level bar for entertaining. Don’t miss this chance to invest in a fantastic location near local parks and all that South Bend has to offer.

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
80
BikeVery Bikeable

Schools

3/10
Muessel Elementary SchoolGrades PK-50.8 mi
4/10
5/10
Adams High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 1923

Materials

  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Partial,Partially Finished,Block

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 143

Features

  • Wet Bar,Formal Dining Room
  • Flooring: Hardwood
  • Finished area below ground: 628
  • Finished area above ground: 1,889

Heating & Cooling

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

Interior Area

  • Total structure area: 2,817
  • Total interior livable area: 2,517 sqft

Living Room

  • Level: Main
  • Area: 264

Office

  • Level: Main
  • Area: 88

Property

Details

  • Parcel number: 710801105002.000026
  • Zoning: UN1

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio,Enclosed

Lot

  • Lot size: 5,662 sqft
  • Features: Corner Lot,City/Town/Suburb,Near Walking Trail
  • Lot size dimensions: 73x78

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 WaveModerate

How This Home’s Risks Compare

Cold Wave

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 $1,410$16,920
Home Insurance *$152$1,824
Property Taxes $287$3,444
Electricity $230$2,768
Total$2,079$24,948
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$71,280/yr
40% on housing$62,370/yr
45% on housing$55,440/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

$111This listing

vs Other Active Listings

Avg $/sqft

ZIP 46617$253
St. Joseph County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 46617$167
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
2026-08-05Pending sale$279,000
2026-07-29Price change$279,000
2026-06-18Listed for sale$299,000
2026-02-10Listing removed$2,200
2026-01-20Price change$2,200
2025-12-13Listed for rent$2,300
2024-09-13Listing removed$2,100
2024-07-03Listed for rent$2,200
2022-07-14Listing removed--
2022-07-06Listed for rent$1,950

For Sale by Agent

AgentRuth Hutt
BrokerageCressy & Everett - South Bend

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