420 Water St, Kendallville, IN, 46755
About This Home
Welcome to 420 Water Street in Kendallville, where timeless character blends seamlessly with thoughtful modern updates. Offering 2,688 square feet of living space, this spacious 4-bedroom, 2-bathroom home is filled with historic craftsmanship while providing the comfort and convenience of today's living. Recent improvements include a newer roof, a brand-new boiler system, new mini-split heating and cooling systems on both levels, fresh interior and exterior paint, and updated landscaping. The beautifully appointed kitchen features custom cabinetry, solid surface countertops, a tile backsplash, and stainless-steel appliances. The versatile floor plan includes a formal living room, formal dining room, and a spacious family room, creating the perfect setting for both everyday living and entertaining. Throughout the home, you'll find preserved architectural details that make this property truly special, including original hardwood pocket doors that remain fully operational and an original twist-style front doorbell that remains in working order, offering a charming glimpse into the home's rich history. Additional highlights include generously sized bedrooms and a walk-up attic offering abundant storage with potential for future finishing, subject to local requirements. Ideally located near local amenities and historic downtown Kendallville, 420 Water Street offers a rare opportunity to own a home where historic character, quality craftsmanship, and modern updates come together beautifully.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1890
Materials
- Construction materials: Asphalt
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Refrigerator,Electric Range
Basement
- Has basement: Yes
- Basement: Full,Block
Bedroom1
- Level: Upper
Bedroom2
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Level: Main
- Area: 192
Family Room
- Level: Main
- Area: 208
Features
- Breakfast Bar,Ceiling-9+,Ceiling Fan(s),Walk-In Closet(s),Countertops-Solid Surf,Eat-in Kitchen,Entrance Foyer
- Door features: Pocket Doors
- Attic: Walk-up
- Finished area below ground: 1,344
- Finished area above ground: 2,688
Heating & Cooling
- Heating features: Natural Gas,Hot Water
- Cooling features: Multi Units
Interior Area
- Total structure area: 4,032
- Total interior livable area: 4,032 sqft
Kitchen
- Level: Main
- Area: 238
Living Room
- Level: Main
- Area: 208
Office
- Level: Main
- Area: 110
Property
Details
- Parcel number: 570733320031.000020
Features
- Levels: Two and Half Story
- Stories: 2
- Patio & porch: Deck Covered,Porch Covered
Lot
- Lot size: 6,098 sqft
- Features: Level
- Lot size dimensions: 37X165
Parking
- Total spaces: 2
- Parking features: Detached
- 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
- Strong Wind
- Tornado
- Cold Wave
- Hail
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Indiana Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,688 | $20,256 |
| Home Insurance * | $240 | $2,880 |
| Property Taxes | $195 | $2,340 |
| Electricity | $369 | $4,435 |
| Total | $2,492 | $29,904 |
Income You'd Need if You Spent...
Indiana FAIR Plan Programs
Indiana Basic Property Insurance Underwriting Association
WildfireHailWindHow 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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-10 | Price change | $324,000 |
| 2026-07-17 | Price change | $334,000 |
| 2026-06-16 | Listed for sale | $347,000 |
| 2024-09-23 | Sold | $280,000 |
| 2024-07-05 | Price change | $280,000 |
| 2024-06-28 | Listed for sale | $285,000 |
| 2023-12-13 | Sold | $145,500 |
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