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101 Ray St, Fremont, IN, 46737

3beds
2baths
1,632sqft
$199,900
$122price/sqft
$1,329/moest. monthly cost
$53,160/yrincome needed

About This Home

Immediate possession! Charming 1½-story, 3 bed / 2 bath home on a level lot. Features main-floor accessibility with handicap ramp and walk-in shower. Stove, refrigerator, washer & dryer included. Attached oversized 1-car garage, concrete driveway, shed, and back deck for relaxing. Security system for peace of mind. Conveniently located close to downtown, shopping, restaurants, new Dora district, ice cream shop, parks, and schools. The local buffalo farm is just a couple miles away. Move-in ready — see it today!

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

7/10
7/10
Fremont Middle SchoolGrades 5-80.8 mi
8/10
Fremont High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1997

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Range/Oven Hook Up Gas,Refrigerator,Washer,Dryer-Electric,Gas Range,Electric Water Heater,Water Softener Owned
  • Laundry features: Electric Dryer Hookup,Main Level

Basement

  • Basement: Crawl Space

Bedroom1

  • Level: Main

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 80

Features

  • Flooring: Carpet,Vinyl
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 1,632

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,632
  • Total interior livable area: 1,632 sqft

Kitchen

  • Level: Main
  • Area: 90

Living Room

  • Level: Main
  • Area: 253

Property

Details

  • Parcel number: 760221340623.000004

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck

Lot

  • Lot size: 6,751 sqft
  • Features: Level,City/Town/Suburb
  • Lot size dimensions: 95x25x133x120

Parking

  • Total spaces: 1
  • Parking features: Attached,Garage Door Opener,Concrete
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

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
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
Lightning

FEMA Declared Disasters Across Indiana Counties

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 $1,010$12,120
Home Insurance *$102$1,224
Property Taxes $33$396
Electricity $184$2,212
Total$1,329$15,948
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,565/yr
40% on housing$39,870/yr
45% on housing$35,440/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: 7.1%
7.1%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$122This listing

vs Other Active Listings

Avg $/sqft

ZIP 46737$205
Steuben County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 46737$158
Steuben County$159

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
2026-07-30Price change$199,900
2026-07-07Listed for sale$210,000
1998-07-30Sold$70,000

For Sale by Agent

AgentAlice Fitzpatrick-Welch
BrokerageColdwell Banker Real Estate Group

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