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

3909 Rockmount Ln, Mishawaka, IN, 46544

4beds
3baths
3,372sqft
$405,000
$120price/sqft
$2,946/moest. monthly cost
$117,840/yrincome needed

About This Home

17'*33' in-ground pool with fenced backyard and deck. The great room features a vaulted ceiling, creating an open living space. Eat-in kitchen with maple cabinetry and stainless steel appliances. Main-level primary suite offers sliding glass doors with direct access to the deck and pool area. Primary bath includes a jetted tub and separate shower. Finished basement is plumbed for a future wet bar and provides additional living space with a large family room. Pool table is included with the sale. Situated on a cul-de-sac lot with convenient access to outdoor entertaining areas. New roof will be added on end of August or first week of the Sep. Recent improvements include a water heater (2022), hardwood flooring throughout the main level (2018), and luxury vinyl plank flooring in the primary bedroom (2018), pool sand filter 2024

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

8/10
5/10
4/10
Mishawaka High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 2003

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Washer,Dryer-Electric,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Partial

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 143

Family Room

  • Level: Basement
  • Area: 578

Features

  • Main Level Bedroom Suite
  • Flooring: Hardwood,Carpet,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 1,059
  • Finished area above ground: 2,313

Heating & Cooling

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

Interior Area

  • Total structure area: 3,726
  • Total interior livable area: 3,372 sqft

Kitchen

  • Level: Main
  • Area: 242

Living Room

  • Level: Main
  • Area: 285

Property

Details

  • Parcel number: 711019152023.000023

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: In Ground
  • Fencing: Vinyl

Lot

  • Lot size: 0.28 Acres
  • Features: Level
  • Lot size dimensions: 80x150

Parking

  • Total spaces: 2
  • Parking features: Attached,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 WaveModerate

How This Home’s Risks Compare

Cold Wave

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 $2,047$24,564
Home Insurance *$245$2,940
Property Taxes $345$4,140
Electricity $309$3,709
Total$2,946$35,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,005/yr
40% on housing$88,380/yr
45% on housing$78,560/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: 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

$120This listing

vs Other Active Listings

Avg $/sqft

ZIP 46544$108
St. Joseph County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 46544$137
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$405,000
2026-07-15Price change$425,000
2026-06-23Listed for sale$435,000
2010-10-15Sold$218,500

For Sale by Agent

AgentArpita Shah
BrokerageMcKinnies Realty, LLC

Similar Homes