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Single Family ResidenceResidential
$158,295$165 / 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 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

646 JAMES ST

ELKHART, IN 46516
3
Beds
1
Baths
960 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.
0.48 ac
Lot SizeThe size of the land the home sits on, from county records.
1967
Year BuiltThe year the home was originally built, according to county records.
1
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.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$158K
$153K low$163K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,111 (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.$148,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$19,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$128,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$108,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$148,000

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
CountyElkhart
Lot (acres)The size of the land the home sits on, from county records.0.48
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
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, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes

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

E
Riverview Elementary SchoolC+
Elementary · Grades KG–6 · 0.7 mi
M
Pierre Moran Middle SchoolC-
Middle · Grades 7–8 · 1.5 mi
H
Elkhart High SchoolD-
High · Grades 9–12 · 3.6 mi

District: Elkhart Community Schools

Neighborhood · ZIP 46516These 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.124
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.25

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.19%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.7%
PopulationHow many people live in this area.33,142
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,782 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,875
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,236
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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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

646 James St 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 79% of homes in Elkhart County
  • Costs more per square foot than 90% of homes in Goshen Avenue
  • Smaller than 90% of homes in Elkhart County
  • Has a bigger lot than 93% of homes in Goshen Avenue
  • Newer than 92% of homes in Goshen Avenue

What homes are worth in Elkhart 46516

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

This home
$55K$510K

This home is worth more than 49% of homes in Elkhart 46516.

How it measures up in Elkhart 46516

The dot is this home. The mark in the middle is the typical home in Elkhart 46516.

Estimated value$158,295
CheaperTypical $161,958Pricier

Pricier than 49% of homes nearby

Price per ft²$165
CheaperTypical $130Pricier

Pricier than 73% of homes nearby

Living area960 ft²
SmallerTypical 1,392 ft²Bigger

Bigger than 16% of homes nearby

Lot size0.48 ac
SmallerTypical 0.23 acBigger

Bigger than 86% of homes nearby

Year built1967
OlderTypical 1952Newer

Newer than 67% of homes nearby

How 646 James St ranks against every home in each area.
MeasureThis homeGoshen AvenueElkhart 46516Elkhart County
Estimated valuepricier than$158,29578% of homes49% of homes21% of homes
Price per ft²pricier than$16590% of homes73% of homes54% of homes
Living areabigger than960 ft²18% of homes16% of homes10% of homes
Lot sizebigger than0.48 ac93% of homes86% of homes62% of homes
Year builtnewer than196792% of homes67% of homes45% of homes

About 646 James St

How much is 646 James St, Elkhart, IN worth?

The TopHap Estimate for 646 James St, Elkhart, IN is $158,295 as of Aug 30, 2026. The likely range is $153,136 to $163,454. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 646 James St, Elkhart, IN last sell?

646 James St, Elkhart, IN last sold on Aug 30, 2019, according to the county's recorded deed.

How big is 646 James St, Elkhart, IN?

646 James St, Elkhart, IN has 3 bedrooms, 1 bathrooms, 960 square feet of living space and a 0.48-acre lot.

When was 646 James St, Elkhart, IN built?

646 James St, Elkhart, IN was built in 1967, making it 59 years old. The building has 1 story.

What schools serve 646 James St, Elkhart, IN?

646 James St, Elkhart, IN is assigned to Riverview Elementary School (elementary), rated C+; Pierre Moran Middle School (middle), rated C-; Elkhart High School (high), rated D-. All sit in Elkhart Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 646 James St, Elkhart, IN compare to other homes in Elkhart 46516?

Among the 10,583 homes in Elkhart 46516, it is worth more than 49% of them ($158,295 against a typical $161,958), its price per square foot is higher than 73% of them ($165 against a typical $130), it is bigger than 16% of them (960 ft² against a typical 1,392 ft²), its lot is bigger than 86% of them (0.48 ac against a typical 0.23 ac) and it is newer than 67% of them (1967 against a typical 1952). Measured against all of Elkhart County, it is worth more than 21% 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 646 James St, Elkhart, IN?

The 2024 property tax bill for 646 James St, Elkhart, IN was $1,111. The county assessed it at $148,000.

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