NOT LISTED FOR SALE

1038 Ridge St Hammond, IN 46324

Estimated Value: $206,000 - $222,000

3 Beds
2 Baths
1,078 Sq Ft
$200/Sq Ft Est. Value

Sale Details

Date Sold: February 13, 2026

Last sale price $220,000 $204 Per Sq Ft

Est. 2% decrease in value since last sale

Current estimated payment $1,344 / mo

107 Days on Market

Highlights

  • 0.29 Acre Lot
  • Neighborhood Views
  • Laundry Room
  • No HOA
  • Living Room
  • 1-Story Property

About This Home

As of February 2026

Take a look at this beautiful 3 bedroom 2 bathroom Ranch home with a full finished basement. This home features many upgrades with newly remodeled kitchens and bathrooms. Featuring 400 square foot fully functioning studio/separate living quarte with full kitchen. PRIVATE entrance to studio with a shared laundry room. Great for extended family or rental income. All appliances stay in the upstairs kitchen and the down stairs kitchen. The home features a PRIVATE large fenced in backyard with a fire pit for cozy nights. It has a workshop with 60 amp services from the house, that can be used as a garage if desired. Close to I-94 for a quick commute to Chicago. This one won't last long. Schedule your showing today!!!

Last Agent to Sell the Property

Annette White

BVG Realty, LLC License #RB19000725 Listed on: 09/26/2025

BVG Realty, LLC

Last Buyer's Agent

Edward Pluchar

Keller Williams Preferred Real License #RB18000496

Keller Williams Preferred Real

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,138

Year Built

  • Built in 1929

Lot Details

  • 0.29

Parking

  • Paved Parking

Interior Spaces

  • 1,078 Sq Ft Home
  • 1-Story Property
  • Living Room
  • Neighborhood Views
  • Gas Range
  • Basement

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 2 Full Bathrooms

Laundry

  • Laundry Room
  • Dryer
  • Washer

Additional Features

  • Outdoor Storage
  • 12,632 Sq Ft Lot
  • Heating System Uses Natural Gas

Community Details

  • No Home Owners Association

Listing and Financial Details

  • Assessor Parcel Number 450707129001000023
  • Seller Considering Concessions

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,138

Year Built

Built in 1929

Lot Details

0.29 Acres

Listing Details

  • Property Type: Residential
  • Year Built: 1929
  • Reso Property Sub Type: Single Family Residence
  • ResoLotFeatures: Back Yard, Paved, Front Yard
  • Reso View: Neighborhood
  • Co List Office Mls Id: NRA2288
  • Subdivision Name: N/A
  • Above Grade Finished Sq Ft: 1078
  • Garage Yn: No
  • Unit Levels: One
  • New Construction: No
  • Property Attached Yn: No
  • AuctionYN: No
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • Appliances: Dryer, Washer, Refrigerator, Gas Range
  • Interior Amenities: Eat-in Kitchen
  • Basement: Finished
  • Basement YN: Yes
  • Full Bathrooms: 2
  • Total Bedrooms: 3

Exterior Features

  • Exterior Features: Fire Pit, Storage, Private Yard
  • Acres: 0.29
  • Waterfront: No

Garage/Parking

  • Parking Features: Driveway, Paved

Utilities

  • Sewer: Public Sewer
  • Cooling: Other
  • Heating: Natural Gas
  • Water Source: Public

Condo/Co-op/Association

  • Association: No

Lot Info

  • Lot Size Sq Ft: 12632.4
  • Parcel #: 450707129001000023

Tax Info

  • Year: 2024
  • Tax Annual Amount: 2137.6

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Sep 26, 2025
Closed on
Feb 12, 2026
Sold by
Bowers Harold K
Bought by
Barreto Cesar A and Wing Tiger-Lily
Seller's Agent
Annette White
BVG Realty, LLC
Buyer's Agent
Edward Pluchar
Keller Williams Preferred Real
List Price
$270,000
Sold Price
$220,000
Premium/Discount to List
-$50,000
-18.52%
Views
162
Current Estimated Value
$215,940

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$4,060
Avg. Annual Appreciation
-6.67%
Original Mortgage
$224,730
Outstanding Balance
$224,730
Interest Rate
6.15%
Mortgage Type
VA
Estimated Equity
-$8,790

Purchase Details

Listed on
Oct 13, 2021
Closed on
Jan 10, 2022
Sold by
Pero Kvrgic
Bought by
Bowers Harold
Seller's Agent
Nikola Trajceski
Listing Leaders
List Price
$185,000
Sold Price
$185,000

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
4.32%
Original Mortgage
$189,255
Interest Rate
3.12%
Mortgage Type
VA

Purchase Details

Listed on
Oct 13, 2021
Closed on
Jan 7, 2022
Sold by
Pero Kvrgic
Bought by
Bowers Harold
Seller's Agent
Nikola Trajceski
Listing Leaders
List Price
$185,000
Sold Price
$185,000

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$189,255
Interest Rate
3.12%
Mortgage Type
VA

Purchase Details

Closed on
Feb 20, 2020
Sold by
Kolondzic John
Bought by
Kvrgic Pero and Kvrgic Zorica

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$81,496
Interest Rate
3.6%
Mortgage Type
FHA
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
Not Available
List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Buyer Sale Price Title Company
Barreto Cesar A -- Meridian Title
Bowers Harold -- Chicago Title
Bowers Harold -- Chicago Title
Kvrgic Pero -- Community Title Company
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Borrower Loan Amount
Open Barreto Cesar A $224,730
Previous Owner Bowers Harold $189,255
Previous Owner Bowers Harold $189,255
Previous Owner Kvrgic Pero $81,496
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
02/13/2026 02/13/26 Sold $220,000 -2.2% $204 / Sq Ft
01/11/2026 01/11/26 Pending -- -- --
10/20/2025 10/20/25 Price Changed $225,000 -6.2% $209 / Sq Ft
10/13/2025 10/13/25 Price Changed $239,900 -7.7% $223 / Sq Ft
10/09/2025 10/09/25 Price Changed $260,000 -3.7% $241 / Sq Ft
09/26/2025 09/26/25 For Sale $270,000 +45.9% $250 / Sq Ft
01/07/2022 01/07/22 Sold $185,000 0.0% $172 / Sq Ft View Prior Sale
10/27/2021 10/27/21 Pending -- -- --
10/13/2021 10/13/21 For Sale $185,000 -- $172 / Sq Ft
Source: Northwest Indiana Association of REALTORS®

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $2,302 $198,500 $40,400 $158,100
2024 $7,996 $182,300 $42,900 $139,400
2023 $1,965 $167,300 $42,900 $124,400
2022 $1,965 $158,100 $42,900 $115,200
2021 $1,202 $111,300 $30,400 $80,900
2020 $1,283 $103,000 $30,400 $72,600
2019 $3,067 $105,900 $30,400 $75,500
2018 $3,187 $100,600 $30,400 $70,200
2017 $3,381 $93,100 $30,400 $62,700
2016 $2,855 $90,800 $30,400 $60,400
2014 $2,909 $91,400 $30,400 $61,000
2013 $2,668 $88,500 $30,400 $58,100
Source: Public Records

Agents Affiliated with this Home

  • Annette White

    Seller's Agent in 2026

    Annette White

    BVG Realty, LLC

    (219) 433-7098

    1 in this area

    9 Total Sales

    Annette White
    Section Image
  • Edward Pluchar

    Buyer's Agent in 2026

    Edward Pluchar

    Keller Williams Preferred Real

    (815) 931-2279

    2 in this area

    314 Total Sales

    Edward Pluchar
    Section Image
  • Nikola Trajceski

    Seller's Agent in 2022

    Nikola Trajceski

    Listing Leaders

    (219) 765-7595

    2 in this area

    60 Total Sales

    Nikola Trajceski
    Section Image
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Map

Source: Northwest Indiana Association of REALTORS®

MLS Number: 828450

Northwest Indiana Association of REALTORS®

APN: 45-07-07-129-001.000-023

Indiana Lake County Hammond 46324

1038 Ridge St, Hammond, IN

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

Northwest Indiana Association of REALTORS® All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. Copyright 2026 Multiple Listing Service of the Northwest Indiana Realtors Association Multiple Listing Service (NIRA MLS). All rights reserved. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.
Listings courtesy of Northwest Indiana Association of REALTORS® as distributed by MLS GRID.
Based on information submitted to the MLS GRID

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