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54218 N Ironwood Rd, South Bend, IN, 46635

2beds
1baths
1,088sqft
$255,000
$234price/sqft
$1,771/moest. monthly cost
$70,840/yrincome needed

About This Home

Thoughtfully cared for and updated throughout, this home has been transformed from the inside out with quality craftsmanship that's hard to find. The first floor was taken all the way down to the studs and rebuilt, creating the kind of solid construction, straight walls, and attention to detail you simply don't expect in a home of this era. The bright living room features recessed lighting and engineered hardwood flooring, while the beautifully updated kitchen offers custom cabinetry, stone countertops, stainless steel appliances, and a pantry. You'll appreciate the little details every single day - from automatic lighting in the pantry and closets to updated lighting controls, keypad entry locks, alarm system, pocket closet doors, and custom closet organizers that make every inch of space work harder. The finished attic provides a flexible bonus space with hardwood floors and recessed lighting, perfect as a home office, creative studio, guest space, or future bedroom. Step outside and you'll find even more to love. Relax on the welcoming front porch or entertain on the expansive backyard deck, complete with a covered section for shade. A concrete patio provides the perfect grilling spot and the vinyl privacy fence and irrigation system create a secluded backyard retreat. Then there's the garage. At approximately 40' x 24', it's far more than a place to park. Divided into two heated and cooled spaces with mini-split systems and separated by an overhead door, it offers endless possibilities for hobbies, a workshop, entertaining, or the ultimate game day headquarters. An additional shed behind the garage adds even more storage. Located just 0.6 miles from the edge of Notre Dame's campus, this home offers incredible flexibility. Whether you're looking for a primary residence, a game day getaway, or housing for a Notre Dame student, you'll appreciate the quality, technology, and care that have gone into every update. Homes this thoughtfully improved don't come along often.

Getting Around

54
WalkingSomewhat Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

3/10
Darden Primary CenterGrades PK-51.7 mi
4/10
5/10
Adams High SchoolGrades 9-122.7 mi

Construction

Condition

  • Year built: 1942

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Range/Oven Hook Up Gas,Dishwasher,Microwave,Refrigerator,Gas Range,Gas Water Heater
  • Laundry features: Gas Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished,Block,Sump Pump

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Stone Counters,Eat-in Kitchen,Tub/Shower Combination
  • Door features: Pocket Doors
  • Window features: Window Treatments
  • Flooring: Hardwood,Tile,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,088

Heating & Cooling

  • Heating features: Electric,Natural Gas,Forced Air
  • Cooling features: Central Air,Wall Unit(s),Multi Units

Interior Area

  • Total structure area: 1,828
  • Total interior livable area: 1,088 sqft

Property

Details

  • Parcel number: 710432105009.000003
  • Other equipment: Sump Pump

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck Covered,Deck
  • Exterior features: Irrigation System
  • Fencing: Privacy,Vinyl

Lot

  • Lot size: 9,583 sqft
  • Features: Level,City/Town/Suburb,Near College Campus
  • Lot size dimensions: 60X161

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage Door Opener,Heated Garage,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 $1,289$15,468
Home Insurance *$134$1,608
Property Taxes $164$1,968
Electricity $184$2,212
Total$1,771$21,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,720/yr
40% on housing$53,130/yr
45% on housing$47,226/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

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 46635$122
St. Joseph County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 46635$127
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
2026-07-16Listed for sale$255,000

For Sale by Agent

AgentTommy Kraemer
BrokerageColdwell Banker Real Estate Group

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