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222 W Michigan St, New Carlisle, IN, 46552

5beds
3baths
3,905sqft
$399,000
$102price/sqft
$2,983/moest. monthly cost
$119,320/yrincome needed

About This Home

Step into timeless character in this beautifully maintained 5 bedroom, 3 bath home located in the heart of downtown New Carlisle. Offering 2,696 finished sq. feet above ground and that doesn't include the full sized finished basement. This spacious residence showcases stunning original hardwood floors, rich architectural detail and the kind of old-world charm that's impossible to replicate. Updates include new water heater, roof (5 yrs), furnace and a/c unit (1 yr), water line and a new electrical panel. From the moment you arrive, you'll appreciate the inviting curb appeal, oversized living spaces, and warmth throughout every room. The thoughtfully designed layout provides ample space for entertaining, relaxing, or accommodating a growing household, while the detached 2 car-garage adds everyday convenience. Perfectly situated near local shops, dining, parks, and community events, this home blends historic elegance with small-town charm in one of New Carlisle's most desirable locations. A rare opportunity to own a piece of character-filled craftsmanship with the space and functionality today's buyers are looking for. Schedule your showing today- you won't be disappointed!

Getting Around

54
WalkingSomewhat Walkable
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

7/10
9/10
New Prairie High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1948

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full,Concrete

Bedroom1

  • Level: Main

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 1

Features

  • Number of fireplaces: 2
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,209
  • Finished area above ground: 2,696

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,134
  • Total interior livable area: 3,905 sqft

Property

Details

  • Parcel number: 710134207003.000018

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 6,969 sqft
  • Features: Level
  • Lot size dimensions: 54x132

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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado
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 $2,017$24,204
Home Insurance *$244$2,928
Property Taxes $365$4,380
Electricity $357$4,295
Total$2,983$35,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,274/yr
40% on housing$89,490/yr
45% on housing$79,546/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$102This listing

vs Other Active Listings

Avg $/sqft

ZIP 46552$745
St. Joseph County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 46552$156
St. Joseph County$131

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
2026-07-20Price change$399,000
2026-07-07Price change$419,000
2026-06-23Listed for sale$429,000

For Sale by Agent

AgentHalee N Woods
BrokerageRe/Max County Wide 1st

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