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225 Columbia St, Michigan City, IN, 46360

4beds
1baths
1,384sqft
$179,900
$130price/sqft
$1,540/moest. monthly cost
$61,600/yrincome needed

About This Home

Whether you are looking for that perfect weekend getaway by the lake or your full time residence you will not be disappointed in the indoor and outdoor space this home has to offer. This freshly painted, move in ready 4-bedroom, 1-bath Cape Cod home ideally located in Michigan City just minutes from the beautiful shores of Lake Michigan. Enjoy nearby Washington Park, Indiana Dunes National Park hiking trails, local marinas, great restaurants, and shopping at Lighthouse Place Premium Outlets. This home offers plenty of space with 4 bedrooms, a detached 2-car garage, and sits on a large double corner lot with a fenced yard-perfect for outdoor entertaining, pets, or play. A fantastic opportunity to enjoy space, convenience, and all that this vibrant community has to offer!

Getting Around

35
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

3/10
Pine Elementary SchoolGrades PK-62.4 mi
2/10
Barker Middle SchoolGrades 7-81.1 mi
3/10
Michigan City High SchoolGrades 9-123.1 mi

Construction

Condition

  • Year built: 1873

Type & Style

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

Interior

Appliances

  • Appliances included: None

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Unfinished

Bedroom2

  • Area: 93
  • Dimensions: 9.3 x 10.0

Bedroom3

  • Area: 144.72
  • Dimensions: 13.4 x 10.8

Bedroom4

  • Area: 135
  • Dimensions: 13.5 x 10.0

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Bonus Room

  • Area: 134.4
  • Dimensions: 11.2 x 12.0

Den

  • Area: 239.68
  • Dimensions: 11.2 x 21.4

Dining Room

  • Area: 143.84
  • Dimensions: 11.6 x 12.4

Features

  • None
  • Finished area above ground: 1,384

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 1,384
  • Total interior livable area: 1,384 sqft

Kitchen

  • Area: 174.02
  • Dimensions: 15.4 x 11.3

Living Room

  • Area: 140.3
  • Dimensions: 12.2 x 11.5

Primary Bedroom

  • Area: 104.65
  • Dimensions: 11.5 x 9.1

Property

Details

  • Parcel number: 460132154016000022
  • Special condition: Agent Owned

Features

  • Levels: One and One Half
  • Fencing: Chain Link
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 0.32 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Garage
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tornado
Hail
Lightning
Strong Wind
Winter Weather
Tsunami

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 $909$10,908
Home Insurance *$121$1,452
Property Taxes $326$3,912
Electricity $184$2,212
Total$1,540$18,480
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,800/yr
40% on housing$46,200/yr
45% on housing$41,066/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$130This listing

vs Other Active Listings

Avg $/sqft

ZIP 46360$175
LaPorte County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 46360$151
LaPorte County$138

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
2026-05-06Listed for sale$199,900
2019-08-06Listing removed$850
2019-07-02Price change$850
2019-06-25Listed for rent$750
2015-11-13Sold$21,000
2015-11-03Pending sale$29,900
2015-10-15Price change$29,900
2015-07-24Listed for sale$37,000

For Sale by Agent

AgentStacy Carney
BrokerageProperty Management of NWI, LL

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