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Single Family ResidenceResidential
$138,336$96 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

520 RIVER AVE

SOUTH BEND, IN 46601
3
Beds
1
Baths
1,440 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
3,360 ft²
Lot SizeThe size of the land the home sits on, from county records.
1924
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$138K
$120K low$157K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$11,586
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$9,269
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.88%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$126,750
BPL MORTGAGE TRUST LLC · recorded Sep 28, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,698 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$143,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$140,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$112,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$143,400

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyST. JOSEPH
Lot (acres)The size of the land the home sits on, from county records.0.08
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Riley High SchoolD+
High · Grades 9–12 · 1.1 mi
E
Lincoln Elementary SchoolD
Elementary · Grades PK–5 · 1.3 mi
M
Jackson Traditional SchoolC-
Middle · Grades 6–8 · 3.3 mi

District: South Bend Community School Corporation

Neighborhood · ZIP 46601These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.152
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.91
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.23

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.83%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.39%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.6,705
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,962 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$31,306
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$48,995
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

520 River Ave measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 74% of homes in St. Joseph County
  • Costs less per square foot than 84% of homes in St. Joseph County
  • Smaller than 73% of homes in South Bend 46601
  • Has a smaller lot than 97% of homes in St. Joseph County
  • Older than 82% of homes in St. Joseph County

What homes are worth in South Bend 46601

Each bar is how many homes fall in that price range. The marker is this home.

This home
$37K$1M

This home is worth more than 56% of homes in South Bend 46601.

How it measures up in South Bend 46601

The dot is this home. The mark in the middle is the typical home in South Bend 46601.

Estimated value$138,336
CheaperTypical $126,602Pricier

Pricier than 56% of homes nearby

Price per ft²$96
CheaperTypical $74Pricier

Pricier than 70% of homes nearby

Living area1,440 ft²
SmallerTypical 1,792 ft²Bigger

Bigger than 27% of homes nearby

Lot size3,360 ft²
SmallerTypical 0.13 acBigger

Bigger than 16% of homes nearby

Year built1924
OlderTypical 1910Newer

Newer than 76% of homes nearby

How 520 River Ave ranks against every home in each area.
MeasureThis homeSouth Bend 46601St. Joseph County
Estimated valuepricier than$138,33656% of homes26% of homes
Price per ft²pricier than$9670% of homes16% of homes
Living areabigger than1,440 ft²27% of homes51% of homes
Lot sizebigger than3,360 ft²16% of homes3% of homes
Year builtnewer than192476% of homes18% of homes

About 520 River Ave

How much is 520 River Ave, South Bend, IN worth?

The TopHap Estimate for 520 River Ave, South Bend, IN is $138,336 as of Jul 14, 2026. The likely range is $120,109 to $156,563. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 520 River Ave, South Bend, IN last sell?

520 River Ave, South Bend, IN last sold on Nov 24, 2021, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 520 River Ave, South Bend, IN?

520 River Ave, South Bend, IN has 3 bedrooms, 1 bathrooms, 1,440 square feet of living space and a 0.08-acre lot.

When was 520 River Ave, South Bend, IN built?

520 River Ave, South Bend, IN was built in 1924, making it 102 years old. The building has 2 stories.

What schools serve 520 River Ave, South Bend, IN?

520 River Ave, South Bend, IN is assigned to Riley High School (high), rated D+; Lincoln Elementary School (elementary), rated D; Jackson Traditional School (middle), rated C-. All sit in South Bend Community School Corporation. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 520 River Ave, South Bend, IN compare to other homes in South Bend 46601?

Among the 1,059 homes in South Bend 46601, it is worth more than 56% of them ($138,336 against a typical $126,602), its price per square foot is higher than 70% of them ($96 against a typical $74), it is bigger than 27% of them (1,440 ft² against a typical 1,792 ft²), its lot is bigger than 16% of them (3,360 ft² against a typical 0.13 ac) and it is newer than 76% of them (1924 against a typical 1910). Measured against all of St. Joseph County, it is worth more than 26% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 520 River Ave, South Bend, IN?

The 2024 property tax bill for 520 River Ave, South Bend, IN was $2,698. The county assessed it at $143,400.

Closest homes

More homes in South Bend 46601

Assigned schools

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