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54405 Northern Ave, South Bend, IN, 46635

4beds
3baths
2,280sqft
$350,000
$154price/sqft
$2,623/moest. monthly cost
$104,920/yrincome needed

About This Home

Completely reimagined and move-in ready, this beautifully renovated ranch offers the rare combination of modern finishes, flexible living space, and an established neighborhood just minutes from the University of Notre Dame. Step inside to discover nearly 1,900 square feet of thoughtfully designed living space where the open-concept kitchen, dining, and living areas create the perfect setting for everyday life and entertaining. The stunning kitchen features crisp white cabinetry, butcher block countertops, subway tile backsplash, a center island with seating, and plenty of prep space, all overlooking the spacious living room anchored by a cozy wood-burning fireplace. The private primary suite is tucked away from the additional bedrooms and offers vaulted ceilings, a beautifully updated ensuite bath, and generous closet space. Three additional bedrooms, two more remodeled bathrooms, plus a versatile bonus room between the home and oversized attached garage provide endless flexibility for a home office, fitness room, or hobby space. Nearly every inch of the home has been updated, including luxury vinyl plank flooring, new carpet, updated bathrooms, many new windows, new siding, roof, gutters, septic system, plumbing, electrical panel, water heater, and more - allowing the next owner to simply unpack and enjoy. Situated on a generous half-acre lot in desirable Maple Lane, you'll love the quiet neighborhood atmosphere while being just minutes from Notre Dame, shopping, restaurants, coffee shops, the bypass, and the toll road. This is the kind of home that feels brand new without giving up the charm of an established neighborhood.

Getting Around

69
WalkingSomewhat Walkable
0
TransitVery Limited Transit
55
BikeBikeable

Schools

3/10
Darden Primary CenterGrades PK-52.0 mi
4/10
5/10
Adams High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 1952

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Range/Oven Hook Up Elec,Microwave,Refrigerator,Washer,Dryer-Gas,Electric Range,Gas Water Heater
  • Laundry features: Gas Dryer Hookup,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Partial,Finished

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 4

Dining Room

  • Level: Main
  • Area: 121

Family Room

  • Level: Basement
  • Area: 400

Features

  • 1st Bdrm En Suite,Vaulted Ceiling(s),Eat-in Kitchen,Kitchen Island,Open Floorplan,Stand Up Shower,Main Level Bedroom Suite,Great Room
  • Flooring: Carpet,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 400
  • Finished area above ground: 1,880

Heating & Cooling

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

Interior Area

  • Total structure area: 2,322
  • Total interior livable area: 2,280 sqft

Kitchen

  • Level: Main
  • Area: 156

Living Room

  • Area: 264

Property

Details

  • Parcel number: 710432157003.000003

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.51 Acres
  • Features: Level,Near College Campus
  • Lot size dimensions: 180X124

Parking

  • Total spaces: 1
  • Parking features: Attached,Concrete
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 WaveModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind

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 $1,769$21,228
Home Insurance *$184$2,208
Property Taxes $461$5,532
Electricity $209$2,508
Total$2,623$31,476
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,931/yr
40% on housing$78,690/yr
45% on housing$69,946/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

$154This listing

vs Other Active Listings

Avg $/sqft

ZIP 46635$119
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
2026-08-03Price change$350,000
2026-07-17Listed for sale$360,000
2026-07-11Listing removed$3,500
2026-06-17Listed for rent$3,500
2026-06-09Listing removed$3,500
2026-04-26Listed for rent$3,500
2025-12-29Listing removed$3,500
2025-12-04Listed for rent$3,500
2025-04-30Listing removed$3,700
2025-04-04Listed for rent$3,700
2025-04-01Sold$320,000
2025-02-19Pending sale$339,000
2025-01-06Listed for sale$339,000
2024-12-31Listing removed$345,000
2024-12-15Price change$345,000
2024-11-22Listed for sale$349,000
2024-10-15Listing removed$349,900
2024-09-30Listed for sale$349,900
2024-09-10Pending sale$349,900
2024-08-09Listed for sale$349,900
2024-06-05Listing removed$349,900
2024-05-24Listed for sale$349,900
2024-05-09Listing removed--
2024-04-26Listed for sale$349,900
2023-12-12Sold$70,000
2023-11-16Pending sale$85,000

For Sale by Agent

AgentTommy Kraemer
BrokerageColdwell Banker Real Estate Group

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