406 Locust St, Valparaiso, IN, 46383
About This Home
Offering 4 bedrooms and 2.5 baths with almost 2,000 sq ft of living space, step into a perfect blend of vintage charm and modern comfort with this captivating downtown gem, originally crafted in 1884! Its timeless character is a rare find in Valparaiso. Enjoy your private, fully fenced backyard and the convenience of a detached garage for parking and extra storage. Nestled just a short distance from the heartbeat of downtown, you can easily stroll to culinary hotspots, shopping boutiques, and beautiful local parks. Immerse yourself in lively community entertainment and experience a dynamic downtown lifestyle!
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1884
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: None
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Unfinished
Bedroom2
- Level: Main
- Area: 100
- Dimensions: 10.0 x 10.0
Bedroom3
- Level: Upper
- Area: 63
- Dimensions: 9.0 x 7.0
Bedroom4
- Level: Upper
- Area: 169
- Dimensions: 13.0 x 13.0
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 1
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
Bonus Room
- Level: Main
- Area: 190
- Dimensions: 19.0 x 10.0
Dining Room
- Level: Main
- Area: 140
- Dimensions: 14.0 x 10.0
Features
- None
- Finished area above ground: 1,901
Heating
- Heating features: Natural Gas
Interior Area
- Total structure area: 1,901
- Total interior livable area: 1,901 sqft
Kitchen
- Level: Main
- Area: 121
- Dimensions: 11.0 x 11.0
Living Room
- Level: Main
- Area: 204
- Dimensions: 17.0 x 12.0
Primary Bedroom
- Level: Main
- Area: 150
- Dimensions: 15.0 x 10.0
Property
Details
- Parcel number: 640924260002000004
- Special condition: Real Estate Owned
Features
- Levels: One and One Half
- Patio & porch: Covered
- Fencing: Back Yard,Fenced
- Has view: Yes
- View description: Neighborhood
Lot
- Lot size: 8,712 sqft
- Features: Back Yard,Front Yard
Parking
- Total spaces: 1.5
- Parking features: Detached,On Street,Alley Access
- Has garage: Yes
- Attached garage spaces: 1.5
- Covered spaces: 1.5
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
- Drought
- Earthquake
- Lightning
- Strong Wind
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Indiana Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,410 | $16,920 |
| Home Insurance * | $135 | $1,620 |
| Property Taxes | $274 | $3,288 |
| Electricity | $184 | $2,212 |
| Total | $2,003 | $24,036 |
Income You'd Need if You Spent...
Indiana FAIR Plan Programs
Indiana Basic Property Insurance Underwriting Association
Wildfire
HailWindHow 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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-27 | Sold | $267,766 |
| 2019-02-19 | Sold | $202,000 |
| 2019-01-18 | Pending sale | $199,900 |
| 2018-12-18 | Price change | $199,900 |
| 2018-11-16 | Price change | $214,900 |
| 2018-11-01 | Listed for sale | $224,900 |
| 2014-11-14 | Sold | $141,000 |
| 2014-09-02 | Pending sale | $149,900 |
| 2014-08-27 | Listed for sale | $149,900 |
| 2001-11-16 | Sold | $110,000 |
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