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612 N Frances St, South Bend, IN, 46617

2beds
2baths
815sqft
$325,000
$399price/sqft
$2,666/moest. monthly cost
$106,640/yrincome needed

About This Home

Close to Campus? Complete renovation? 2 blocks to Trader Joes? 7 blocks to Campus? Look no further. This wonderful little home has everything covered. Completely rehabbed and re-imagined from top to bottom this two bed / two bath home has all of the modern amenities and unmatched location and convenience. It's difficult to find properties this close to campus and Eddy Commons at an affordable price. Imagine your own weekend home for gameday and avoid the hassles of reservation deadlines. Open concept living space. Primary bedroom has an en-suite bathroom. Schedule a showing now because this won't last long!

Getting Around

66
WalkingSomewhat Walkable
0
TransitVery Limited Transit
87
BikeVery Bikeable

Schools

3/10
Nuner Fine Arts AcademyGrades PK-52.1 mi
4/10
5/10
Adams High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Gas Range,Gas Water Heater
  • Laundry features: Gas Dryer Hookup,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Michigan Basement,Brick

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • 1st Bdrm En Suite,Stone Counters
  • Flooring: Laminate
  • Finished area below ground: 0
  • Finished area above ground: 815

Heating & Cooling

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

Interior Area

  • Total structure area: 915
  • Total interior livable area: 815 sqft

Property

Details

  • Parcel number: 710801432024.000026
  • Zoning: UN1

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 2,613 sqft
  • Features: Level,Near College Campus,Near Walking Trail
  • Lot size dimensions: 40X66

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
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
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 $1,643$19,716
Home Insurance *$177$2,124
Property Taxes $662$7,944
Electricity $184$2,212
Total$2,666$31,992
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,405/yr
40% on housing$79,980/yr
45% on housing$71,093/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

$399This listing

vs Other Active Listings

Avg $/sqft

ZIP 46617$252
St. Joseph County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 46617$167
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
2026-08-12Price change$322,500
2026-06-02Listed for sale$325,000
2025-11-21Sold$120,000
2025-11-13Pending sale$124,900
2024-10-11Listing removed$129,900
2024-10-09Listing removed$900
2024-10-05Listed for rent$900
2024-10-02Price change$129,900
2024-09-22Price change$139,900
2024-09-21Price change$144,900
2024-09-13Listed for sale$149,900
2019-09-06Listing removed$649
2019-08-29Price change$649
2019-08-07Price change$699
2019-06-10Price change$799
2019-05-16Listed for rent$899
2014-12-05Listing removed$525
2014-11-04Listed for rent$525
2014-04-08Listing removed$550
2014-01-18Listed for rent$550
2013-12-17Listing removed$550
2013-09-19Listed for rent$550
2012-03-22Sold$7,688

For Sale by Agent

AgentPatrick Ladewski
BrokerageIrish Realty

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