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304 N Main St, Columbia City, IN, 46725

5beds
4baths
2,970sqft
$279,900
$94price/sqft
$2,295/moest. monthly cost
$91,800/yrincome needed

About This Home

What if your next home could be more than just a home? Built in 1880 and thoughtfully renovated, this nearly 3,000 sq ft, 5+ bedroom, 4 bathroom property is filled with character you simply can’t recreate—original wood floors, beveled glass, solid wood doors, a statement fireplace, spacious living areas, and inviting porches. Recently rezoned R2, it offers a rare added advantage: enjoy it as an impressive single-family residence or explore the possibilities of a two-family configuration, multigenerational living, or income-producing space. Just minutes from downtown Columbia City, this is historic charm with options for what comes next.

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

5/10
5/10
8/10
Columbia City High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1880

Materials

  • Roof: Rolled/Hot Mop,Shingle
  • Construction materials: Aluminum Siding,Stone

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Washer,Dryer-Gas,Gas Range
  • Laundry features: Gas Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished,Block

Bedroom1

  • Level: Main

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bedrooms: 2

Dining Room

  • Level: Main
  • Area: 104

Family Room

  • Level: Main
  • Area: 195

Features

  • Walk-In Closet(s),Laminate Counters,Entrance Foyer,Natural Woodwork,Tub/Shower Combination
  • Door features: Pocket Doors
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,970

Heating & Cooling

  • Heating features: Natural Gas,Hot Water
  • Cooling features: None

Interior Area

  • Total structure area: 4,242
  • Total interior livable area: 2,970 sqft

Kitchen

  • Level: Basement
  • Area: 90

Living Room

  • Level: Main
  • Area: 182

Property

Details

  • Parcel number: 920611501405.005004

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Porch Covered,Porch

Lot

  • Lot size: 0.25 Acres
  • Features: Level,0-2.9999,City/Town/Suburb,Landscaped
  • Lot size dimensions: 77X139.6

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
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Heat Wave
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 $1,415$16,980
Home Insurance *$169$2,028
Property Taxes $439$5,268
Electricity $272$3,267
Total$2,295$27,540
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,685/yr
40% on housing$68,850/yr
45% on housing$61,200/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: 9.2%
9.2%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 4.1%
4.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$94This listing

vs Other Active Listings

Avg $/sqft

ZIP 46725$143
Whitley County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 46725$155
Whitley County$146

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
2026-08-18Price change$269,900
2026-07-26Listed for sale$279,900
2026-05-05Listing removed$299,900
2026-04-23Price change$299,900
2026-03-24Price change$309,900
2026-03-03Price change$319,900
2025-10-05Listed for sale$329,900
2023-01-11Listing removed--
2022-10-13Price change$295,000
2022-09-14Listed for sale$300,000
2017-11-20Sold$75,000
2017-10-18Listed for sale$80,000
2011-10-31Sold$62,000
2011-04-10Price change$50,000
2011-02-26Price change$65,000
2011-02-07Price change$89,000
2011-01-16Listed for sale$130,000

For Sale by Agent

AgentKimberly Slucher
BrokerageCENTURY 21 Bradley Realty, Inc

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