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215 E Commerce St, Dunkirk, IN, 47336

4beds
2baths
1,860sqft
$149,900
$81price/sqft
$1,187/moest. monthly cost
$47,480/yrincome needed

About This Home

Welcome to 215 E Commerce St, Dunkirk, IN—a spacious and character-filled 4-bedroom, 1.5-bathroom home offering comfortable living areas, classic charm, plenty of room with extra storage, and fantastic peace of mind with a brand-new roof! Step inside to find a warm, inviting floor plan. The main level boasts a cozy, carpeted living room perfect for relaxing, alongside a secondary sitting room that offers excellent flow and flexibility. With four well-sized bedrooms, this home provides ample space for all your needs.

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

7/10
5/10
Jay County High SchoolGrades 7-1210.5 mi

Construction

Condition

  • Year built: 1876

Materials

  • Foundation: Slab
  • Construction materials: Shingle Siding,Other

Type & Style

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

Interior

Basement

  • Basement: Crawl Space

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Level: Main
  • Area: 144

Family Room

  • Level: Main
  • Area: 210

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,860

Heating & Cooling

  • Heating features: Natural Gas,Forced Air,Wall Furnace
  • Cooling features: Central Air,Window Unit(s)

Interior Area

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

Kitchen

  • Level: Main
  • Area: 143

Living Room

  • Level: Main
  • Area: 210

Property

Details

  • Parcel number: 380908104116.000014

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.25 Acres
  • Features: 0-2.9999
  • Lot size dimensions: 83X130

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 $757$9,084
Home Insurance *$179$2,148
Property Taxes $67$804
Electricity $184$2,212
Total$1,187$14,244
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,697/yr
40% on housing$35,610/yr
45% on housing$31,653/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

$81This listing

vs Other Active Listings

Avg $/sqft

ZIP 47336$49
Jay County$66

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
2026-08-16Pending sale$149,900
2026-07-21Price change$149,900
2026-06-24Listed for sale$159,900
2024-10-18Sold$35,000
2024-06-11Price change$49,900
2022-01-31Pending sale$54,900
2021-09-08Listed for sale$54,900
2021-02-25Listing removed--
2020-08-26Listed for sale$64,900

For Sale by Agent

AgentDon Hall
BrokerageRE/MAX Evolve

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