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810 1/2 Woodland Ter, Valparaiso, IN, 46383

2beds
2baths
1,860sqft
$399,500
$215price/sqft
$2,905/moest. monthly cost
$116,200/yrincome needed

About This Home

Escape to the lake without leaving the conveniences of Valparaiso! Whether you're searching for the perfect weekend getaway or a place to enjoy lake life every single day, this inviting lakefront ranch with walk-out lower level delivers the relaxed lifestyle you've been dreaming about. Grab your morning coffee, unwind with an evening sunset, or spend your weekends kayaking, fishing, or simply soaking in the peaceful waterfront views from your own backyard. Inside, you'll find a warm and welcoming layout featuring 2 bedrooms plus a versatile den, 2 bathrooms, and a finished walk-out lower level that nearly doubles your living space. The spacious living room is centered around a cozy wood-burning fireplace, creating the perfect place to gather after a day on the water. The oversized dine-in kitchen offers abundant cabinet space, a pantry, dishwasher, and easy access to the expansive decks overlooking the lake, making indoor-outdoor entertaining effortless. The generously sized primary bedroom features a full-length closet and features lake views, while the main level is completed by a second bedroom and a full bathroom. Downstairs, the finished walk-out lower level offers incredible flexibility with a second living room, a full second kitchen complete with a dishwasher, a three-quarter bathroom, and a den that works beautifully as a home office, guest room, hobby space, or workout area. Step outside to the oversized deck, continue down to a second lakeside deck, and enjoy direct access to the water just steps away. The Hillcrest neighborhood private beach is less than a 5 minute walk away. All appliances, including the washer and dryer, are included, making your move even easier. The home is connected to community water and sewer and is eligible for conventional and insured conventional financing. Whether you're looking for a year-round residence or a vacation retreat this lakefront property is ready to welcome you home.

Getting Around

1
WalkingCar-Dependent
12
TransitMinimal Transit
12
BikeSomewhat Bikeable

Schools

7/10
8/10
10/10
Valparaiso High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 1920

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Washer,Refrigerator,Microwave,Dishwasher

Basement

  • Has basement: Yes
  • Basement: Bath/Stubbed,Walk-Out Access,Sump Pump,Full,Finished

Bedroom2

  • Level: Main
  • Area: 100
  • Dimensions: 10.0 x 10.0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Den

  • Level: Basement
  • Area: 240
  • Dimensions: 16.0 x 15.0

Family Room

  • Level: Basement
  • Area: 204
  • Dimensions: 17.0 x 12.0

Features

  • Ceiling Fan(s),Soaking Tub,Pantry,Eat-in Kitchen
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area above ground: 1,060

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 1,860
  • Total interior livable area: 1,860 sqft

Kitchen

  • Level: Main
  • Area: 228
  • Dimensions: 19.0 x 12.0

Kitchen

  • Level: Basement
  • Area: 238
  • Dimensions: 17.0 x 14.0

Living Room

  • Level: Main
  • Area: 342
  • Dimensions: 18.0 x 19.0

Primary Bedroom

  • Level: Main
  • Area: 180
  • Dimensions: 15.0 x 12.0

Property

Details

  • Parcel number: 640901283009000003
  • Special condition: None

Features

  • Levels: One
  • Has view: Yes
  • View description: Lake,Water,Trees/Woods,Neighborhood
  • Has water view: Yes
  • Water view: Lake,Water
  • On waterfront: Yes
  • Waterfront features: Beach Access,Lake Privileges,Lake Front

Lot

  • Lot size: 5,052 sqft
  • Features: Back Yard,Wooded,Rectangular Lot,Landscaped

Parking

  • Parking features: Driveway
  • 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
  • Tornado
    TornadoRelatively High
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tornado
Strong Wind
Winter Weather
Tsunami

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 $2,020$24,240
Home Insurance *$193$2,316
Property Taxes $508$6,096
Electricity $184$2,212
Total$2,905$34,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,600/yr
40% on housing$87,150/yr
45% on housing$77,466/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.9%
3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$215This listing

vs Other Active Listings

Avg $/sqft

ZIP 46383$153
Porter County$165

vs Homes Sold Last Month

Median $/sqft

ZIP 46383$168
Porter County$169

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
2026-07-23Price change$399,500
2026-06-28Listed for sale$424,900
2021-09-15Listing removed--
2021-09-01Price change$349,000
2021-07-29Price change$359,000
2021-07-08Price change$369,000
2021-06-30Price change$379,000
2021-06-12Listed for sale$389,000

For Sale by Agent

AgentCharles Vanderstelt
BrokerageListing Leaders

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