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108 E Hardy St, Fremont, IN, 46737

2beds
1baths
1,116sqft
$170,000
$152price/sqft
$1,321/moest. monthly cost
$52,840/yrincome needed

About This Home

Welcome home! This sweet 2 bedroom, 1 bath home offers simple living in a fantastic location. Remodeled just a few years ago, it's perfect for first time buyers, downsizers, or anyone looking for low maintenance living. Just 2 blocks to stores, restaurants and schools. Step inside to a cozy, updated space, then head outside to enjoy the best features. Relax on the front porch with a cup of coffee and wave to neighbors, or sit on your back deck and take in the spacious yard and private tree line. Need extra storage? You're all set with space for a shed and a concrete pad already poured. Come see why this little gem won't last long.

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

7/10
7/10
Fremont Middle SchoolGrades 5-80.7 mi
8/10
Fremont High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1900

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 Elec,Refrigerator,Washer,Dryer-Electric,Electric Range,Electric Water Heater
  • Laundry features: Electric Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Partial

Bedroom1

  • Level: Main

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 90

Features

  • Tub/Shower Combination
  • Flooring: Carpet,Laminate
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 1,116

Heating & Cooling

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

Interior Area

  • Total structure area: 1,368
  • Total interior livable area: 1,116 sqft

Kitchen

  • Level: Main
  • Area: 204

Living Room

  • Level: Main
  • Area: 162

Property

Details

  • Parcel number: 760228210504.000004

Features

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

Lot

  • Lot size: 8,712 sqft
  • Features: Level,0-2.9999,City/Town/Suburb
  • Lot size dimensions: 66x132

Parking

  • Parking features: Gravel
  • 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 $859$10,308
Home Insurance *$87$1,044
Property Taxes $191$2,292
Electricity $184$2,212
Total$1,321$15,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,291/yr
40% on housing$39,630/yr
45% on housing$35,226/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

$152This listing

vs Other Active Listings

Avg $/sqft

ZIP 46737$207
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)

No zestimate history available

Price History

DateEventPrice
2026-08-07Price change$165,000
2026-07-23Listed for sale$170,000
2023-11-28Listing removed$179,900
2023-11-15Price change$179,900
2023-09-14Listed for sale$189,900
2021-02-25Sold$132,500
2021-01-20Pending sale$134,900
2021-01-16Contingent$134,900
2021-01-12Listed for sale$134,900

For Sale by Agent

AgentAlice Fitzpatrick-Welch
BrokerageColdwell Banker Real Estate Group

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