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18488 Summer Wind Ln, South Bend, IN, 46637

3beds
2baths
1,776sqft
$449,900
$253price/sqft
$3,080/moest. monthly cost
$123,200/yrincome needed

About This Home

Open House Wednesday, May 13th from 5pm-7pm! Come check out this charming 3 bedroom, 2 bath one-story home in Fernwood on Cleveland, just minutes from the University of Notre Dame! Well maintained and recently used as a game-day Airbnb, this home offers flexibility for both everyday living and hosting. The main level features original cherry hardwood floors and an open living space with vaulted ceilings, gas fireplace, and custom built-ins. The kitchen includes stainless steel appliances, double oven, and breakfast bar with easy access to the screened-in porch and private, fenced-in backyard, perfect for entertaining. The primary suite offers a walk-in closet and en-suite bath with dual vanities and jetted tub. Additional highlights include main floor laundry, a flex space that can be used as an office or formal dining room, plus an irrigation system and security system. Downstairs, the unfinished basement offers a true blank canvas, complete with an egress window, laundry hookups, tankless water heater and plumbing in place for a third bathroom. Hardwood floors have recently been sanded and has two coats of hard wax oil applied. Owners are planning on adding one last coat and buffing/polishing prior to moving out. This allows the buyer to either keep them unstained or to apply a stain color of their choice. Schedule your showing today!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

3/10
Darden Primary CenterGrades K-50.7 mi
3/10
Clay Intermediate CenterGrades PK-81.1 mi
2/10
Clay High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 2007

Materials

  • Roof: Asphalt,Shingle
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Electric Cooktop,Freezer,Washer/Dryer Stacked,Oven-Built-In,Double Oven,Tankless Water Heater,Water Softener Rented
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished,Concrete

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Features

  • Breakfast Bar,Bookcases,Ceiling-9+,Ceiling Fan(s),Vaulted Ceiling(s),Walk-In Closet(s),Countertops-Solid Surf,Eat-in Kitchen,Entrance Foyer,Open Floorplan,Rough-In Bath,Double Vanity,Stand Up Shower,Tub and Separate Shower,Tub/Shower Combination,Main Level Bedroom Suite
  • Window features: Window Treatments
  • Flooring: Hardwood,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Gas Log
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,776

Heating & Cooling

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

Interior Area

  • Total structure area: 3,552
  • Total interior livable area: 1,776 sqft

Property

Details

  • Parcel number: 710430252002.000003

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Screened
  • Exterior features: Irrigation System
  • Fencing: Full,Split Rail

Lot

  • Lot size: 0.27 Acres
  • Features: Level,0-2.9999,City/Town/Suburb,Near College Campus
  • Lot size dimensions: 75X156

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,Concrete
  • 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
  • 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 $2,274$27,288
Home Insurance *$242$2,904
Property Taxes $380$4,560
Electricity $184$2,212
Total$3,080$36,960
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,600/yr
40% on housing$92,400/yr
45% on housing$82,133/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

$253This listing

vs Other Active Listings

Avg $/sqft

ZIP 46637$153
St. Joseph County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 46637$157
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
2026-05-13Price change$479,900
2026-04-20Listed for sale$484,900
2009-06-22Sold$256,900

For Sale by Agent

AgentRebecca A Williams
BrokerageWeichert Rltrs-J.Dunfee&Assoc.

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