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745 E 18th St, Mishawaka, IN, 46544

4beds
2baths
1,824sqft
$287,000
$157price/sqft
$2,106/moest. monthly cost
$84,240/yrincome needed

About This Home

Welcome home to this spacious 4-bedroom, 2 full bath property offering a bright, open-concept layout perfect for everyday living and entertaining. The kitchen and living area flow seamlessly together, featuring stylish white cabinetry, quartz countertops, tile finishes, and new appliances for a clean, modern feel. Enjoy durable LVP flooring throughout the main living spaces, with cozy carpet in the bedrooms. Both bathrooms are updated with tile finishes, adding a fresh and polished touch. Major updates include new HVAC, new plumbing, and most windows recently replaced, providing peace of mind for years to come. The finished basement adds valuable additional living space, complete with a painted ceiling and carpeted floors, plus the convenience of laundry hookups both in the basement and on the main level. Outside, you’ll find a detached oversized 1-car garage, offering plenty of room for tools and toys. A great opportunity to own a move-in ready home with modern updates and functional space throughout!

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

6/10
10/10
Penn High SchoolGrades 9-124.1 mi

Construction

Condition

  • Year built: 1940

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Gas Range

Basement

  • Has basement: Yes
  • Basement: Full,Block

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 99

Features

  • Finished area below ground: 500
  • Finished area above ground: 1,324

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 2,260
  • Total interior livable area: 1,824 sqft

Living Room

  • Level: Main
  • Area: 300

Property

Details

  • Parcel number: 710922180004.000022

Features

  • Levels: Tri-Level

Lot

  • Lot size: 0.67 Acres
  • Features: Level
  • Lot size dimensions: 71x315

Parking

  • Total spaces: 1
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 $1,451$17,412
Home Insurance *$173$2,076
Property Taxes $298$3,576
Electricity $184$2,212
Total$2,106$25,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,205/yr
40% on housing$63,180/yr
45% on housing$56,160/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

$157This listing

vs Other Active Listings

Avg $/sqft

ZIP 46544$107
St. Joseph County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 46544$137
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
2026-05-13Price change$295,000
2026-04-24Listed for sale$299,900
2026-01-16Sold$130,100
2025-08-01Pending sale$125,000
2025-07-28Listed for sale$125,000
2024-12-06Sold$56,054

For Sale by Agent

AgentAdam Pendl
BrokerageeXp Realty, LLC

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