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51801 Vance Vista Ct, South Bend, IN, 46628

5beds
4baths
3,900sqft
$594,900
$153price/sqft
$4,435/moest. monthly cost
$177,400/yrincome needed

About This Home

Custom built home on 1 acre pond lot in Westwood Hills. Light and bright. Windows everywhere. 2 story foyer/great room is the center of the home. Floor to ceiling fireplaces in Great Room and kitchen. Custom trim work throughout. Whole house & deck stereo with surround sound in great room. 9' ceiling in walk out finished basement. Skylights in upstairs baths. Study with built-ins. Perimeter landscaping, 200' of pond frontage. 5 bedrooms and 4 full baths. All rooms large, master bedrrom is 21x17. All mechanicals, plumbling and electrical fixtures have been updated. Home seems larger than posted sq footage, alot of volume. Nice.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

5/10
Warren Primary CenterGrades PK-53.7 mi
3/10
2/10
Washington High SchoolGrades 9-125.4 mi

Construction

Condition

  • Year built: 1997

Materials

  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Laundry Chute

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access,Finished

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bedrooms: 1

Features

  • Sound System,Ceiling-9+,Cathedral Ceiling(s),Ceiling Fan(s),Stone Counters,Entrance Foyer,Kitchen Island,Stand Up Shower,Formal Dining Room,Great Room
  • Window features: Skylight(s)
  • Flooring: Hardwood,Carpet,Tile
  • Number of fireplaces: 2
  • Fireplace features: Kitchen,Living Room,Gas Log
  • Fireplace: Yes
  • Finished area below ground: 1,300
  • Finished area above ground: 2,600

Heating & Cooling

  • Heating features: Forced Air,High Efficiency Furnace
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,200
  • Total interior livable area: 3,900 sqft

Property

Details

  • Parcel number: 710214476012.000029
  • Other equipment: Home Theater

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck Covered,Porch Covered
  • Exterior features: Irrigation System
  • Has spa: Yes
  • Spa features: Jet Tub
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Pond
  • Frontage length: Water Frontage(200)

Lot

  • Lot size: 1.02 Acres
  • Features: Cul-De-Sac,Few Trees,Sloped,City/Town/Suburb,Landscaped

Parking

  • Total spaces: 2.5
  • Parking features: Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2.5
  • Covered spaces: 2.5

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
  • Hail
    HailModerate

How This Home’s Risks Compare

Cold Wave
Hail

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 $3,008$36,096
Home Insurance *$532$6,384
Property Taxes $538$6,456
Electricity $357$4,290
Total$4,435$53,220
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$152,057/yr
40% on housing$133,050/yr
45% on housing$118,266/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

$153This listing

vs Other Active Listings

Avg $/sqft

ZIP 46628$102
St. Joseph County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 46628$108
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
2026-05-04Price change$610,000
2026-04-15Listed for sale$618,900
2011-08-28Listing removed$360,000
2011-05-27Price change$360,000
2011-04-13Price change$359,900
2011-04-03Price change$364,900
2011-03-08Listed for sale$369,900
2011-01-30Listing removed$374,500
2010-06-11Price change$374,500
2010-05-08Price change$377,500
2010-03-14Price change$374,900
2008-06-11Listed for sale$385,000

For Sale by Agent

AgentBill McCarthy
BrokerageRE/MAX 100

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