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Single Family ResidenceResidential
$89,829$67 / 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 93How 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

521 RIVER AVE

SOUTH BEND, IN 46601
3
Beds
2 / 1
Baths
1,344 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.
3,320 ft²
Lot SizeThe size of the land the home sits on, from county records.
1917
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

$90K
$84K low$96K 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.$35,829
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$28,663
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.58%
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.$54,000
NOTRE DAME FCU · recorded Jan 17, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,151 (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.$129,500 (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.$126,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$99,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$129,500

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.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1957
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.Wood (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached

Transaction History(1)

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.No

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

521 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 88% of homes in St. Joseph County
  • Costs less per square foot than 93% of homes in St. Joseph County
  • Smaller than 78% of homes in South Bend 46601
  • Has a smaller lot than 98% of homes in St. Joseph County
  • Older than 90% 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 29% 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$89,829
CheaperTypical $126,602Pricier

Pricier than 29% of homes nearby

Price per ft²$67
CheaperTypical $74Pricier

Pricier than 44% of homes nearby

Living area1,344 ft²
SmallerTypical 1,792 ft²Bigger

Bigger than 22% of homes nearby

Lot size3,320 ft²
SmallerTypical 0.13 acBigger

Bigger than 15% of homes nearby

Year built1917
OlderTypical 1910Newer

Newer than 60% of homes nearby

How 521 River Ave ranks against every home in each area.
MeasureThis homeSouth Bend 46601St. Joseph County
Estimated valuepricier than$89,82929% of homes12% of homes
Price per ft²pricier than$6744% of homes7% of homes
Living areabigger than1,344 ft²22% of homes45% of homes
Lot sizebigger than3,320 ft²15% of homes2% of homes
Year builtnewer than191760% of homes10% of homes

About 521 River Ave

How much is 521 River Ave, South Bend, IN worth?

The TopHap Estimate for 521 River Ave, South Bend, IN is $89,829 as of Jul 14, 2026. The likely range is $83,596 to $96,062. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 521 River Ave, South Bend, IN?

521 River Ave, South Bend, IN has 3 bedrooms, 2 bathrooms, 1,344 square feet of living space and a 0.08-acre lot.

When was 521 River Ave, South Bend, IN built?

521 River Ave, South Bend, IN was built in 1917, making it 109 years old. The building has 2 stories.

What schools serve 521 River Ave, South Bend, IN?

521 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 521 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 29% of them ($89,829 against a typical $126,602), its price per square foot is higher than 44% of them ($67 against a typical $74), it is bigger than 22% of them (1,344 ft² against a typical 1,792 ft²), its lot is bigger than 15% of them (3,320 ft² against a typical 0.13 ac) and it is newer than 60% of them (1917 against a typical 1910). Measured against all of St. Joseph County, it is worth more than 12% 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 521 River Ave, South Bend, IN?

The 2024 property tax bill for 521 River Ave, South Bend, IN was $1,151. The county assessed it at $129,500.

Closest homes

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Assigned schools

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