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1809 Elwood Ave, South Bend, IN, 46628

2beds
1baths
1,296sqft
$89,900
$69price/sqft
$903/moest. monthly cost
$36,120/yrincome needed

About This Home

Excellent Opportunity in South Bend! A hidden gem with tons of potential, ready to shine with your custom finishing touches. This home offers two bedrooms and one bathroom on the main level, plus two additional rooms with closets and a family room in the basement, perfect for extra space or entertainment. Enjoy a fully fenced backyard with a wooden privacy fence, ideal for kids, pets, or outdoor gatherings. Located in the desirable LaSalle area, just steps from Portage Ave, close to schools, shops, and more. Don’t miss the chance to become a homeowner today!

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
66
BikeBikeable

Schools

5/10
9/10
1/10

Construction

Condition

  • Year built: 1924

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Electric Range

Basement

  • Has basement: Yes
  • Basement: Partial,Partially Finished

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Laminate,Ceramic Tile
  • Finished area below ground: 432
  • Finished area above ground: 864

Heating & Cooling

  • Heating features: Electric,Space Heater
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,728
  • Total interior livable area: 1,296 sqft

Property

Details

  • Parcel number: 710334481026.000026

Features

  • Levels: One
  • Stories: 1
  • Fencing: Wood

Lot

  • Lot size: 6,098 sqft
  • Features: Sloped,City/Town/Suburb
  • Lot size dimensions: 46X128

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
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
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 $454$5,448
Home Insurance *$80$960
Property Taxes $185$2,220
Electricity $184$2,212
Total$903$10,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$30,960/yr
40% on housing$27,090/yr
45% on housing$24,080/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

$69This listing

vs Other Active Listings

Avg $/sqft

ZIP 46628$104
St. Joseph County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 46628$108
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)

No zestimate history available

Price History

DateEventPrice
2026-02-16Price change$109,900
2025-07-24Listed for sale$119,900
2008-05-14Sold$6,000

For Sale by Agent

AgentCarlos Avelar
BrokerageFenix Realty, LLC

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