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884 SE Ontario Trl, Greensburg, IN, 47240

3beds
2baths
1,140sqft
$399,900
$351price/sqft
$2,778/moest. monthly cost
$111,120/yrincome needed

About This Home

Welcome to lake life on beautiful Lake Santee! This cozy 3-bedroom, 2 full bathroom home sits right on the water with approximately 0.71 acres and plenty of room to relax and enjoy the view. Featuring a sunroom, detached 2-car garage, and a warm, inviting layout, this home is full of character and endless potential. Enjoy peace of mind knowing many of the major updates are already taken care of, including a new furnace and water heater in 2025, all appliances replaced in 2025, and a roof installed in 2017. Whether you're looking for a weekend getaway, investment opportunity, or a place to make your own, this lakeside property is ready for its next chapter.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1966

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Dryer,Electric Water Heater,Microwave,Refrigerator,Washer

Bedroom2

  • Level: Main
  • Area: 80
  • Dimensions: 8x10

Bedroom3

  • Level: Main
  • Area: 132
  • Dimensions: 11x12

Bedrooms & Bathrooms

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

Features

  • Attic Access
  • Attic: Access Only

Heating & Cooling

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

Interior Area

  • Total structure area: 1,140
  • Total interior livable area: 1,140 sqft

Kitchen

  • Level: Main
  • Area: 120
  • Dimensions: 10x12

Living Room

  • Level: Main
  • Area: 312
  • Dimensions: 12x26

Master Bedroom

  • Level: Main
  • Area: 165
  • Dimensions: 11x15

Sun Room

  • Level: Main
  • Area: 180
  • Dimensions: 10x18

Property

Details

  • Parcel number: 160816410050000006
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.71 Acres

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Lightning
    LightningVery High
  • Tornado
    TornadoVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Tornado
Inland Flooding
Strong Wind
Cold Wave
Drought
Hail
Ice Storm
Winter Weather

FEMA Declared Disasters Across Indiana Counties

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tornado

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 $2,022$24,264
Home Insurance *$270$3,240
Property Taxes $302$3,624
Electricity $184$2,212
Total$2,778$33,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,245/yr
40% on housing$83,340/yr
45% on housing$74,080/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$351This listing

vs Other Active Listings

Avg $/sqft

ZIP 47240$116
Decatur County$106

vs Homes Sold Last Month

Median $/sqft

ZIP 47240$142
Decatur County$123

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
2026-07-11Price change$399,900
2026-05-22Listed for sale$425,000

For Sale by Agent

AgentJennifer Romilus
BrokerageF.C. Tucker Real Estate Experts

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