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123 E Victoria St, South Bend, IN, 46614

5beds
2baths
1,896sqft
$149,900
$79price/sqft
$1,342/moest. monthly cost
$53,680/yrincome needed

About This Home

Multiple offers received. Please submit your highest and best offer by noon on July 24, with a response deadline of 5PM July 24th. Come check out this spacious 5-bedroom, 1.5-bath home featuring original hardwood floors and trim, tall ceilings, and large sunlit eat-in kitchen. Enjoy a finished basement with egress, detached 2-car garage, covered front porch, newer vinyl siding, and 6-foot privacy fence. Schedule your showing today!

Getting Around

63
WalkingSomewhat Walkable
0
TransitVery Limited Transit
53
BikeBikeable

Schools

4/10
Monroe Elementary SchoolGrades K-50.5 mi
4/10
Jackson Middle SchoolGrades 6-81.9 mi
3/10
Riley High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1924

Materials

  • Roof: Asphalt,Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Washer,Dryer-Electric,Gas Range,Gas Water Heater

Basement

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

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bedrooms: 3

Features

  • Laminate Counters,Eat-in Kitchen,Formal Dining Room
  • Flooring: Hardwood
  • Fireplace features: None
  • Finished area below ground: 440
  • Finished area above ground: 1,456

Heating & Cooling

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

Interior Area

  • Total structure area: 2,124
  • Total interior livable area: 1,896 sqft

Property

Details

  • Parcel number: 710824127019.000026

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Enclosed
  • Fencing: Full,Privacy,Wood

Lot

  • Lot size: 4,791 sqft
  • Features: Level,0-2.9999,City/Town/Suburb
  • Lot size dimensions: 37X132

Parking

  • Total spaces: 2
  • Parking features: Detached
  • 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
  • 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 $757$9,084
Home Insurance *$89$1,068
Property Taxes $312$3,744
Electricity $184$2,212
Total$1,342$16,104
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,011/yr
40% on housing$40,260/yr
45% on housing$35,786/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: 9.7%
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

$79This listing

vs Other Active Listings

Avg $/sqft

ZIP 46614$124
St. Joseph County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 46614$135
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
2026-07-22Price change$149,900
2026-07-11Listed for sale$159,900
2023-04-20Sold$65,000
2023-04-05Pending sale$89,900
2023-03-16Price change$89,900
2023-02-27Listed for sale$99,000
2023-01-04Pending sale$99,000
2022-11-16Price change$99,000
2022-10-27Listed for sale$104,900
2017-08-17Listing removed$775
2017-08-07Listed for rent$775
2014-05-02Listing removed$725
2014-04-29Price change$725
2014-03-03Listed for rent$750
2011-05-20Listing removed$28,000
2011-04-21Price change$28,000
2011-02-22Price change$31,500
2011-01-01Listed for sale$35,000
2010-08-10Sold$75,267

For Sale by Agent

AgentRebecca A Williams
BrokerageWeichert Rltrs-J.Dunfee&Assoc.

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