$540,000
SOLD JUN 30, 2025

10922 N Lower Lake Shore Dr Monticello, IN 47960

3 Beds
3 Baths
2,231 Sq Ft
9,148 Sq Ft Lot

Recently Sold

$242 Per Sq Ft

23% Below List Price

274 Days on Market

Highlights

  • 95 Feet of Waterfront
  • Open Floorplan
  • Backs to Open Ground
  • Primary Bedroom Suite
  • Lake Property
  • Stone Countertops

About This Home

As of June 2025

Introducing a stunning Lake Freeman home with breathtaking views, perfect for those who love to entertain. This is a spacious space which includes a luxurious main suite with an attached bathroom showcasing a beautiful walk-in, white tiled shower and soaking tub with gold fixtures, all brand new. The second sleeping space offers two single bunks and two full beds, also with an attached bathroom that includes a walk-in tile shower and elegant bronze accents and fixtures, all brand new! The third area with beds includes 2 large custom-built bunk beds, ideal for children or guests. The foyer offers an extra space for you to use as you would like with a convenient Queen Murphy bed and a third full bathroom, tiled beautifully with a walk-in shower. Also, there are two washers and two dryers allowing simultaneous washing and drying of multiple loads. The heart of the home is the open concept living, dining and large kitchen, complete with a bar and sink area, two large refrigerators, a built-in pantry, dishwasher, double farm sink, and an electric stove and range. But wait, that's not it...This lake home offers an impressive exterior as well, including a screened enclosed porch with a deck, a handy shed for additional storage and water toys and ample parking space for you and your guest's convenience. At the waterfront you have a double electric boat lift, all sheltered by a brand-new deck and steel cable railing offering expansive lake Freeman views, 2 PWC jet ski lifts, and a steel seawall. This property seamlessly blends comfort, style, and functionality, making it a perfect choice for your next lake home or investment property. **We are pleased to offer this beautiful home as a turnkey property, complete with all furnishings included, providing you with a hassle free move-in experience.

Last Agent to Sell the Property

Michelle Gerhart

VOGEL REAL ESTATE Brokerage Email: mgerhart@vogel-real-estate.com Listed on: 09/20/2024

Last Buyer's Agent

John Koppelmann

Koppelmann Real Estate

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,292

Year Built

  • Built in 1940

Lot Details

  • 9,148 Sq Ft Lot
  • Lot Dimensions are 95x116
  • 95 Feet of Waterfront
  • Lake Front
  • Backs to Open Ground
  • Rural Setting

HOA Fees

  • $10 per month

Parking

  • Off-Street Parking

Home Design

  • Shingle Roof
  • Asphalt Roof
  • Vinyl Construction Material

Interior Spaces

  • Multi-Level Property
  • Open Floorplan
  • Living Room with Fireplace
  • Screened Porch
  • Water Views
  • Crawl Space
  • Stone Countertops
  • Laundry on main level

Flooring

  • Laminate
  • Stone
  • Ceramic Tile

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Primary Bedroom Suite
  • Bathtub With Separate Shower Stall

Outdoor Features

  • Sun Deck
  • Waterski or Wakeboard
  • Seawall
  • Lake Property
  • Lake, Pond or Stream
  • Outbuilding

Schools

  • Oaklawn Elementary School
  • Roosevelt Middle School
  • Twin Lakes High School

Utilities

  • Multiple cooling system units
  • Forced Air Heating and Cooling System
  • Window Unit Cooling System
  • Shared Well
  • Well

Community Details

  • $10 Other Monthly Fees

Listing and Financial Details

  • Assessor Parcel Number 08-04-16-000-197.000-011

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,292

Year Built

Built in 1940

Lot Details

0

HOA Fees

$10 per month

Listing Details

  • Class: RESIDENTIAL
  • Property Sub Type: Site-Built Home
  • Waterfront: Yes
  • Year Built: 1940
  • Age: 85
  • Style: Multi-Story (3+)
  • Total Number of Rooms: 6
  • Bedrooms: 3
  • Number Above Grade Bedrooms: 3
  • Total Bathrooms: 3
  • Total Full Bathrooms: 3
  • Legal Description: 008-46012-00 Unit 1 Sunset park Blk A Lot 7
  • Parcel Number ID: 08-04-16-000-197.000-011
  • Platted: Yes
  • Amenities: 1st Bdrm En Suite, Countertops-Stone, Deck Open, Deck on Waterfront, Open Floor Plan, Porch Enclosed, Porch Screened, Stand Up Shower, Tub and Separate Shower, Main Level Bedroom Suite, Main Floor Laundry
  • Location: Lake, Rural
  • Sp Lp Percent: 90.15
  • Year Taxes Payable: 2023 pay 2024
  • Special Features: None

Interior Features

  • Total Sq Ft: 2231
  • Total Finished Sq Ft: 2231
  • Above Grade Finished Sq Ft: 2231
  • Price Per Sq Ft: 242.04
  • Basement Foundation: Crawl
  • Number Of Fireplaces: 1
  • Fireplace: Living/Great Rm
  • Fireplace: Yes
  • Flooring: Laminate, Tile, Stone, Ceramic Tile
  • Living Great Room: Dimensions: 14x16, On Level: Main
  • Kitchen: Dimensions: 31x11, On Level: Main
  • Extra Room: Dimensions: 17x17, On Level: Main
  • Bedroom 1: Dimensions: 13x12, On Level: Upper
  • Bedroom 2: Dimensions: 13x12, On Level: Upper
  • Bedroom 3: Dimensions: 17x9, On Level: Upper
  • Main Level Sq Ft: 1062
  • Number of Main Level Full Bathrooms: 1

Exterior Features

  • Exterior: Vinyl
  • Roof Material: Asphalt, Shingle
  • Outbuilding1: Shed, Dimensions: 10x10
  • Lake Type: Ski Lake
  • Outbuilding2: Outbuilding
  • Sea Wall Type: Steel
  • Water Frontage: 95
  • Water Name: Lake Freeman

Garage/Parking

  • Off Street Parking: Yes

Utilities

  • Cooling: Central Air, Window, Multiple Cooling Units
  • Heating Fuel: Conventional, Forced Air
  • Sewer: Regional
  • Water Utilities: Well
  • Water Type: Lake
  • Well Type: Shared

Condo/Co-op/Association

  • Other Fee Description: SFLECC
  • Other Fees Dollar: 125

Schools

  • School District: Twin Lakes School Corp.
  • Elementary School: Oaklawn
  • Middle School: Roosevelt
  • High School: Twin Lakes
  • Elementary School: Oaklawn

Lot Info

  • Lot Description: Waterfront, Lake, Water View, Waterfront-Medium Bank
  • Lot Dimensions: 95X116
  • Estimated Lot Sq Ft: 9148
  • Estimated Lot Size Acres: 0.21

Tax Info

  • Annual Taxes: 3291.52

Multi Family

  • Water Access: Lakefront

MLS Schools

  • High School: Twin Lakes
  • Middle School: Roosevelt
  • School District: Twin Lakes School Corp.

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Sep 20, 2024
Closed on
Jun 25, 2025
Sold by
Holt Farag Carson Elizabeth and Holt Steven Farag
Bought by
Hoger Allen A and Hoger Elizabeth M
Seller's Agent
Michelle Gerhart
VOGEL REAL ESTATE
Buyer's Agent
John Koppelmann
Koppelmann Real Estate
List Price
$699,000
Sold Price
$540,000
Premium/Discount to List
-$159,000
-22.75%
Views
160

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
134.56%

Purchase Details

Listed on
Sep 2, 2020
Closed on
Nov 9, 2020
Sold by
Flora Kenneth E and Flora Janet
Bought by
Holt Joseph Daniel and Holt Diana Dark
Seller's Agent
Beverley Tatlock
Redlow Group
Buyer's Agent
Beverley Tatlock
Redlow Group
List Price
$329,500
Sold Price
$336,000
Premium/Discount to List
$6,500
1.97%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
10.86%
Original Mortgage
$268,800
Interest Rate
2.8%
Mortgage Type
Future Advance Clause Open End Mortgage

Purchase Details

Closed on
Oct 20, 2010
Sold by
Smith Herbert W
Bought by
Pa Pas Cottage Llc

Purchase Details

Closed on
Oct 25, 1996
Sold by
Smith Herbert and Smith Freda
Bought by
Smith Herbert and Darland Peggy
Source: Public Records

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Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed -- None Listed On Document
Warranty Deed -- Metropolitan Ttl In Lafaette
Warranty Deed -- None Available
Warranty Deed -- None Available
Warranty Deed $60,456 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $268,800 Future Advance Clause Open End Mortgage
Previous Owner $250,000 Credit Line Revolving
Previous Owner $200,000 Credit Line Revolving
Previous Owner $200,000 Credit Line Revolving
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
06/30/2025 06/30/25 Sold $540,000 -9.8% $242 / Sq Ft
06/21/2025 06/21/25 Pending -- -- --
06/02/2025 06/02/25 Price Changed $599,000 -4.2% $268 / Sq Ft
03/27/2025 03/27/25 Price Changed $625,000 -10.6% $280 / Sq Ft
03/01/2025 03/01/25 For Sale $699,000 +29.4% $313 / Sq Ft
11/25/2024 11/25/24 Off Market $540,000 -- --
09/20/2024 09/20/24 For Sale $699,000 +108.0% $313 / Sq Ft
11/25/2020 11/25/20 Sold $336,000 +2.0% $92 / Sq Ft
09/04/2020 09/04/20 Pending -- -- --
09/02/2020 09/02/20 For Sale $329,500 -- $90 / Sq Ft
Source: Indiana Regional MLS

Tax History Compared to Growth

Source: Public Records

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
2024 $3,600 $383,200 $196,100 $187,100
2023 $3,114 $333,300 $196,100 $137,200
2022 $3,114 $308,800 $196,100 $112,700
2021 $2,917 $274,500 $196,100 $78,400
2020 $1,597 $266,000 $174,500 $91,500
2019 $1,537 $262,900 $174,500 $88,400
2018 $1,475 $258,000 $174,500 $83,500
2017 $1,383 $257,700 $174,500 $83,200
2016 $1,455 $264,700 $170,700 $94,000
2014 $1,441 $264,000 $170,700 $93,300
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Indiana Regional MLS

MLS Number: 202436490

Indiana Regional MLS

APN: 08-04-16-000-197.000-011