Listing courtesy of Ideal REALTORS · Listing agent: Jennifer Gilbert

Virtual tour
ActiveSite-Built Home

428 N 3rd Street

$264,900

$112.29 / sq ft

Est. $1,668/mo

Decatur, IN 46733

  • 1-car garage
  • Fireplace
  • Basement
Bedrooms
3
Bathrooms
2
Living area
2,359 sq ft
Lot
0.18 ac
Year built
1938
Type
Site-Built Home
Listed
October 2, 2026
MLS #
202640808

About this home

Welcome home to this beautifully maintained 1½-story residence offering the perfect blend of timeless character and modern comfort. With over 2,300 square feet of finished living space plus more than 1,000 square feet of usable basement, this spacious home provides room for everyone to live, work, and entertain. From the moment you step inside, you'll be greeted by a welcoming foyer with a stunning open staircase, setting the tone for the home's classic charm. The expansive living room is the heart of the home, featuring a cozy fireplace, elegant bay window, and abundant natural light. The thoughtfully designed main floor includes a private primary bedroom and an extra-large bathroom showcasing a luxurious walk-in tiled shower, along with the convenience of main-floor laundry. The beautiful kitchen is equipped with stainless steel appliances, ample cabinetry, and a cozy breakfast nook perfect for morning coffee. A generous formal dining room offers flexibility as a dining space, home office, or den. Upstairs, you'll find two spacious bedrooms, a full bathroom, dedicated office space, and a versatile, finished attic that makes an ideal playroom, studio, or additional space. Step outside and enjoy a vinyl picket-fenced backyard offering both privacy and charm. A covered patio provides a wonderful space for outdoor dining, entertaining, or simply relaxing. The property also features a detached one-car garage and a convenient storage shed, providing plenty of room for vehicles, tools, hobbies, and outdoor equipment. Located just minutes from downtown shopping, dining, parks, and local amenities, this home combines generous living space, classic character, and desirable outdoor amenities in a convenient location.

Monthly payment estimate

$1,668/mo

Principal & interest
$1,450
Property taxes
$141
Homeowners insurance
$77
Your loan

  • Rate: Freddie Mac's 30-year fixed average for the week of October 1, 2026.
  • Taxes: the seller's 2026 bill as reported to the MLS. Yours may differ once your own deductions apply.
  • Insurance: estimated at 0.35% of the price per year.
  • An estimate, not a loan offer. Your rate and payment depend on your credit, loan program and down payment.
Change taxes, insurance and more in the full calculator

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Property details

Interior

Levels
One and One Half
Total rooms
12
Total area
3,456 sq ft
Finished area above grade
2,359 sq ft
Unfinished area below grade
1,097 sq ft
Below grade total
1,097 sq ft
Bedrooms above grade
3
Full baths, main level
1
Full baths, upper level
1
Basement
Partial, Partially Finished
Flooring
Hardwood, Carpet, Ceramic Tile
Heating
Natural Gas, Forced Air
Cooling
Attic Fan, Central Air
HVAC
Attic Fan, Ceiling Fan
Fireplaces
1
Fireplace features
Living/Great Rm
Laundry
Main Level
Interior features
Eat-in Kitchen, Entrance Foyer, Formal Dining Room, Main Floor Laundry

Exterior & parking

Construction
Vinyl Siding
Roof
Metal
Garage spaces
1
Attached garage
No
Garage type
Detached
Garage sq ft
336 sq ft
Parking
Asphalt, Common
Private pool
No
Fencing
Vinyl
New construction
No

Waterfront & lake

Waterfront
No

Lot

Lot features
Level
Lot size (acres)
0.18 ac
Lot dimensions
66 x 120
Location type
City/Town/Suburb
County
Adams County
Township
Root
Platted
Yes
Planned unit development
No
Directions
From Monroe St / US224 turn north onto 3rd St. Head North for two blocks crossing Jackson St then Marshall St. Property will then be the 5th house on the east side of the street.

Schools

Elementary school
Bellmont
Middle school
Bellmont
High school
Bellmont
School district
North Adams Community

Taxes & terms

Annual taxes
$1,694
Tax year
2026
Possession
At Closing
Parcel number
01-02-34-401-063.000-014

Included in the sale

Included in sale
Dishwasher,Microwave,Refrigerator,Window Treatments,Range-Electric

Utilities

Water
City
Sewer
Public Sewer
Electric provider
AEP/I&M
Gas provider
NIPSCO

Location

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