See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

109 Michael Ln, Royal Center, IN, 46978

5beds
2baths
1,848sqft
$189,900
$103price/sqft
$1,371/moest. monthly cost
$54,840/yrincome needed

About This Home

Welcome home to this spacious 5-bedroom, 2-bath property situated on nearly an acre of beautiful tree-lined grounds that offers exceptional privacy and endless possibilities. The expansive yard features a large open area with ample bare ground, providing the perfect canvas for gardening, recreation, or a future outbuilding. Inside, you'll love the open-concept layout that seamlessly connects the living, dining, and kitchen areas. The kitchen comes complete with all appliances included in the sale. The spacious primary suite features a private bathroom with both a relaxing soaking tub and a separate walk-in shower. Four additional bedrooms and a second full bathroom provide plenty of space for friends, family, or office space. Enjoy your morning coffee or unwind in the enclosed rear porch overlooking the peaceful backyard. Outside, you'll appreciate the large driveway, impressive 28' x 40' detached garage, and the abundance of outdoor space to fit your lifestyle.

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
53
BikeBikeable

Schools

5/10
Pioneer Elementary SchoolGrades PK-60.3 mi
8/10
Pioneer Jr-Sr High SchoolGrades 7-120.6 mi

Construction

Condition

  • Year built: 1995

Materials

  • Roof: Metal,Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 168

Features

  • Ceiling Fan(s),Laminate Counters,Kitchen Island,Open Floorplan,Tub and Separate Shower,Tub/Shower Combination,Main Level Bedroom Suite
  • Flooring: Vinyl
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 1,848

Heating & Cooling

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

Interior Area

  • Total structure area: 1,848
  • Total interior livable area: 1,848 sqft

Kitchen

  • Level: Main
  • Area: 252

Living Room

  • Level: Main
  • Area: 252

Property

Details

  • Parcel number: 091623222027.000004

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Enclosed
  • Fencing: Partial,Other-See Remarks

Lot

  • Lot size: 0.96 Acres
  • Features: Level,0-2.9999,City/Town/Suburb

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage Utilities,Asphalt
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Drought
Hail
Lightning
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 $960$11,520
Home Insurance *$90$1,080
Property Taxes $137$1,644
Electricity $184$2,212
Total$1,371$16,452
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,005/yr
40% on housing$41,130/yr
45% on housing$36,560/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: 11.1%
11.1%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 7.1%
7.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 46978$124
Cass County$95

vs Homes Sold Last Month

Median $/sqft

ZIP 46978$145
Cass County$100

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
2026-08-03Listed for sale$189,900
2023-07-31Sold$145,000
2023-06-30Contingent$159,900
2023-06-19Listed for sale$159,900

For Sale by Agent

AgentBailey Record
BrokerageTrustBuilt Realty Group

Similar Homes