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21380 Kroft Dr, South Bend, IN, 46628

3beds
2baths
1,872sqft
$355,000
$190price/sqft
$2,555/moest. monthly cost
$102,200/yrincome needed

About This Home

we're back and better than before! Super spacious home tucked away in a quiet area. For the chef in the family, fall in love with the country sized kitchen with walk in pantry! Enjoy games day or movie night in the vaulted family room or step out tot he deck for a relaxing evening. Main floor laundry and three bedrooms and 2 baths complete the main floor. Full basement for storage or additional sq ft plus oversized 2 car attached garage will complete your new address. (workbench in garage does not remain)Agents see remarks

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

3/10
Coquillard Primary CenterGrades PK-54.3 mi
4/10
2/10
Washington High SchoolGrades 9-125.5 mi

Construction

Condition

  • Year built: 1986

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Microwave,Refrigerator,Gas Oven,Gas Range,Gas Water Heater
  • Laundry features: Dryer Hook Up Gas/Elec,Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished,Concrete

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Family Room

  • Level: Main
  • Area: 504

Features

  • Ceiling Fan(s),Vaulted Ceiling(s),Eat-in Kitchen,Entrance Foyer,Open Floorplan,Pantry,Tub/Shower Combination,Great Room
  • Flooring: Hardwood,Carpet,Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,872

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 3,744
  • Total interior livable area: 1,872 sqft

Kitchen

  • Level: Main
  • Area: 252

Living Room

  • Level: Main
  • Area: 221

Property

Details

  • Parcel number: 710315204010.000008
  • Other equipment: Sump Pump

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Porch Covered
  • Exterior features: Irrigation System

Lot

  • Lot size: 0.40 Acres
  • Features: Level,Few Trees,City/Town/Suburb,Rural Subdivision
  • Lot size dimensions: 106x162

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,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
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
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 $1,795$21,540
Home Insurance *$317$3,804
Property Taxes $259$3,108
Electricity $184$2,212
Total$2,555$30,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,600/yr
40% on housing$76,650/yr
45% on housing$68,133/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

$190This listing

vs Other Active Listings

Avg $/sqft

ZIP 46628$101
St. Joseph County$162

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
2026-06-25Price change$355,000
2026-06-01Listed for sale$370,000
2026-04-22Listing removed$360,000
2025-12-12Price change$360,000
2025-11-12Price change$365,000
2025-08-25Listed for sale$370,000
2012-03-20Sold$0
2011-12-30Listed for sale$149,900

For Sale by Agent

AgentPam Proctor
BrokerageCressy & Everett - South Bend

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