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2803 E Locust Ct, Kokomo, IN, 46902

4beds
3baths
2,916sqft
$314,900
$108price/sqft
$2,297/moest. monthly cost
$91,880/yrincome needed

About This Home

Welcome home to this spacious 4-bedroom, a possible 5th or office/flex space, 2.5-bath property offering a functional floor plan and an abundance of living space for everyday comfort and entertaining. Major updates provide peace of mind, including the roof, sewer line, HVAC system, and water heater all replaced within the last six years or less. With multiple living areas, generous room sizes, and a layout designed for modern living, this well-maintained home is ready for its next owner to move in and enjoy. Don't miss the opportunity to own a home that combines space, convenience, and valuable recent upgrades.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

7/10
--
Kokomo Area Career CenterGrades 6-120.6 mi

Construction

Condition

  • Year built: 1976

Materials

  • Roof: Asphalt
  • Construction materials: Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Refrigerator,Electric Range,Electric Water Heater
  • Laundry features: Electric Dryer Hookup,Main Level

Basement

  • Basement: Crawl Space

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

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

Family Room

  • Level: Main
  • Area: 336

Features

  • Vaulted Ceiling(s),Walk-In Closet(s),Eat-in Kitchen,Tub/Shower Combination
  • Window features: Blinds
  • Flooring: Carpet,Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,916

Heating & Cooling

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

Interior Area

  • Total structure area: 2,916
  • Total interior livable area: 2,916 sqft

Kitchen

  • Level: Main
  • Area: 120

Living Room

  • Level: Main
  • Area: 323

Property

Details

  • Parcel number: 340910427016.000002

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck

Lot

  • Lot size: 0.38 Acres
  • Features: 6-9.999,City/Town/Suburb
  • Lot size dimensions: 100x165

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,Asphalt
  • 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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Winter Weather
Hail
Heat Wave
Lightning

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 $1,592$19,104
Home Insurance *$229$2,748
Property Taxes $209$2,508
Electricity $267$3,207
Total$2,297$27,564
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,754/yr
40% on housing$68,910/yr
45% on housing$61,253/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: 8.6%
8.6%
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

$108This listing

vs Other Active Listings

Avg $/sqft

ZIP 46902$104
Howard County$86

vs Homes Sold Last Month

Median $/sqft

ZIP 46902$125
Howard County$127

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
2026-07-30Price change$314,900
2026-06-26Listed for sale$324,900
2010-03-31Listing removed$214,500
2010-01-30Listed for sale$214,500

For Sale by Agent

AgentTanya Morgan
BrokerageThe Wyman Group

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