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213 Ems D23 Ln, Syracuse, IN, 46567

3beds
1baths
920sqft
$479,000
$521price/sqft
$3,169/moest. monthly cost
$126,760/yrincome needed

About This Home

Waterfront double lot, huge outdoor deck, guest quarters alum dock, 80 ft. frontage, huge parking area, handicap ramps Maintenance FREE! Ready to go!

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

4/10
Milford SchoolGrades K-84.4 mi
4/10
Wawasee High SchoolGrades PK,9-123.4 mi

Construction

Condition

  • Year built: 1954

Materials

  • Foundation: Crawl/Raised
  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily

Interior

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Heating

  • Heating features: Other

Interior Area

  • Total interior livable area: 920 sqft

Property

Details

  • Parcel number: 430325400300000027

Lot

  • Lot size: 6,098 sqft

Parking

  • Total spaces: 13

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
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Inland Flooding
Lightning
Winter Weather

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 $2,422$29,064
Home Insurance *$266$3,192
Property Taxes $297$3,564
Electricity $184$2,212
Total$3,169$38,028
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,651/yr
40% on housing$95,070/yr
45% on housing$84,506/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 5.5%
5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$521This listing

vs Other Active Listings

Avg $/sqft

ZIP 46567$325
Kosciusko County$183

vs Homes Sold Last Month

Median $/sqft

ZIP 46567$194
Kosciusko County$150

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
2026-05-08Listed for sale$489,000
2021-01-15Listing removed--
2020-08-17Listed for sale$299,000
2013-03-31Listing removed$124,900
2012-04-06Listed for sale$124,900
2011-10-21Listing removed$178,500
2011-06-18Listed for sale$178,500
2010-10-26Listing removed$155,900
2010-01-16Price change$155,900
2009-03-13Listed for sale$198,000
2006-05-19Sold$139,900

For Sale by Owner

AgentProperty Owner

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