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355 W Commerce St, Dunkirk, IN, 47336

3beds
1baths
1,476sqft
$39,900
$27price/sqft
$493/moest. monthly cost
$19,720/yrincome needed

About This Home

1.5-story home featuring 3 bedrooms and 1 bath. Recent updates include a newer roof, some updated windows and doors, and partial vinyl siding. Property offers a 1-car attached garage plus a 2-car detached garage previously used as a workshop (no garage door). Includes washer/dryer hookups. Home needs TLC but has great potential.

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

7/10
5/10
Jay County High SchoolGrades 7-1210.7 mi

Construction

Condition

  • Year built: 1916

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: None

Bedroom2

  • Features: Other
  • Level: Upper
  • Area: 144
  • Dimensions: 12x12

Bedroom3

  • Features: Other
  • Level: Upper
  • Area: 100
  • Dimensions: 10x10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Attic Access
  • Attic: Access Only

Heating & Cooling

  • Heating features: Electric,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,476
  • Total interior livable area: 1,476 sqft

Kitchen

  • Features: Other
  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Living Room

  • Features: Other
  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Master Bedroom

  • Features: Other
  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Property

Details

  • Parcel number: 380908102068000014
  • Horse amenities: None

Features

  • Levels: One and One Half
  • Stories: 1

Lot

  • Lot size: 3,920 sqft

Parking

  • Total spaces: 3
  • Parking features: Attached,Detached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Hail

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 $201$2,412
Home Insurance *$47$564
Property Taxes $61$732
Electricity $184$2,212
Total$493$5,916
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$16,902/yr
40% on housing$14,790/yr
45% on housing$13,146/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: 7.3%
7.3%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$27This listing

vs Other Active Listings

Avg $/sqft

ZIP 47336$54
Jay County$68

vs Homes Sold Last Month

Median $/sqft

ZIP 47336
Jay County$73

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)

No zestimate history available

Price History

DateEventPrice
2026-05-11Price change$46,900
2026-04-27Price change$47,900
2026-04-17Price change$48,900
2026-04-11Listed for sale$49,900
2015-12-10Sold$700

For Sale by Agent

AgentHeather Clemmons
BrokerageStarr Real Estate LLC

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