12544 Spear Trail Culver, IN 46511
3
Beds
2
Baths
2,728
Sq Ft
0.73
Acres
Highlights
- Water Views
- A-Frame Home
- Wood Flooring
- Primary Bedroom Suite
- Vaulted Ceiling
- Workshop
About This Home
As of July 2025Welcome to the Lake Life for under $300,000! This charming home is located on nearly an acre across 3 large lots in the private Lake Latonka community, a 113-acre lake offering boating, fishing, a beach, park, and walking trails. Inside, enjoy a spacious living room with soaring cathedral ceilings and a striking floor-to-ceiling stone fireplace. The main-level primary bedroom is conveniently located near the laundry area and a full bath with a cozy cabin-like feel. Upstairs features two additional bedrooms and another full bath, providing plenty space for family or guests. Step outside to take in serene views from the expansive deck or enjoy the large yard, perfect for relaxing or entertaining. Whether you're looking for a weekend getaway or a year-round residence, this property offers the best of lakeside living, just a short drive from Plymouth and Culver.
Last Agent to Sell the Property
At Home Realty Group Brokerage Phone: 574-968-0100 Listed on: 02/14/2025
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $1,747
Year Built
- Built in 1997
Lot Details
- 0.73 Acre Lot
- Lot Dimensions are 210x151
- Property is zoned L1
HOA Fees
- $83 Monthly HOA Fees
Parking
- 1 Car Attached Garage
Home Design
- A-Frame Home
- Cabin
- Poured Concrete
- Metal Roof
- Wood Siding
Interior Spaces
- 2,728 Sq Ft Home
- 2-Story Property
- Vaulted Ceiling
- Ceiling Fan
- Gas Log Fireplace
- Living Room with Fireplace
- Workshop
- Wood Flooring
- Water Views
- Partially Finished Basement
- Crawl Space
- Laundry on main level
Kitchen
- Eat-In Kitchen
- Breakfast Bar
Bedrooms and Bathrooms
- 3 Bedrooms
- Primary Bedroom Suite
Schools
- Menominee Elementary School
- Riverside Middle School
- Plymouth High School
Utilities
- Forced Air Heating and Cooling System
- Heating System Uses Gas
- Private Company Owned Well
- Well
- Septic System
Listing and Financial Details
- Assessor Parcel Number 50-31-21-000-237.000-017
Community Details
Overview
- Lake Latonka Subdivision
Recreation
- Community Playground
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Feb 14, 2025
Closed on
Jul 7, 2025
Sold by
Schrameyer Laura J
Bought by
Cantero Juan
Seller's Agent
Danica Russell
At Home Realty Group
Buyer's Agent
Robert Taylor Jr.
COLLINS and CO. REALTORS - CULVER
List Price
$399,000
Sold Price
$300,000
Premium/Discount to List
-$99,000
-24.81%
Views
264
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
178.37%
Original Mortgage
$294,566
Outstanding Balance
$294,566
Interest Rate
6.85%
Mortgage Type
FHA
Estimated Equity
$44,649
Purchase Details
Closed on
Dec 13, 2006
Sold by
Benjamin Laura J
Bought by
Benjamin Robert C
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$171,000
Interest Rate
7.7%
Mortgage Type
Adjustable Rate Mortgage/ARM
Purchase Details
Closed on
Nov 15, 1999
Sold by
Overmeyer Randy L
Bought by
Benjamin Robert C
Similar Homes in Culver, IN
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The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | -- | None Listed On Document | |
| Interfamily Deed Transfer | -- | None Available | |
| Deed | $144,000 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $294,566 | FHA | |
| Previous Owner | $178,000 | New Conventional | |
| Previous Owner | $179,029 | FHA | |
| Previous Owner | $184,282 | FHA | |
| Previous Owner | $193,203 | FHA | |
| Previous Owner | $185,948 | FHA | |
| Previous Owner | $171,000 | Adjustable Rate Mortgage/ARM |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 07/07/2025 07/07/25 | Sold | $300,000 | +0.3% | $110 / Sq Ft |
| 06/23/2025 06/23/25 | Pending | -- | -- | -- |
| 05/31/2025 05/31/25 | Price Changed | $299,000 | -8.0% | $110 / Sq Ft |
| 05/07/2025 05/07/25 | Price Changed | $325,000 | -6.9% | $119 / Sq Ft |
| 04/23/2025 04/23/25 | Price Changed | $349,000 | -5.7% | $128 / Sq Ft |
| 04/16/2025 04/16/25 | Price Changed | $370,000 | -1.3% | $136 / Sq Ft |
| 03/17/2025 03/17/25 | Price Changed | $375,000 | -6.0% | $137 / Sq Ft |
| 02/14/2025 02/14/25 | For Sale | $399,000 | -- | $146 / Sq Ft |
Source: Indiana Regional MLS
Tax History Compared to Growth
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 | $3,533 | $237,500 | $41,100 | $196,400 |
| 2022 | $1,747 | $229,300 | $39,600 | $189,700 |
| 2021 | $1,565 | $187,300 | $30,600 | $156,700 |
| 2020 | $1,538 | $176,600 | $28,900 | $147,700 |
| 2019 | $1,432 | $170,200 | $27,700 | $142,500 |
| 2018 | $1,796 | $195,100 | $26,800 | $168,300 |
| 2017 | $1,322 | $168,900 | $9,400 | $159,500 |
| 2016 | $1,428 | $177,900 | $9,600 | $168,300 |
| 2014 | $1,385 | $178,400 | $9,500 | $168,900 |
Source: Public Records
Agents Affiliated with this Home
-
Danica Russell
Seller's Agent in 2025
Danica Russell
At Home Realty Group
(574) 274-4293
77 Total Sales
-
Robert Taylor Jr.
R
Buyer's Agent in 2025
Robert Taylor Jr.
COLLINS and CO. REALTORS - CULVER
(574) 842-4652
15 Total Sales
Map
Source: Indiana Regional MLS
MLS Number: 202504827
APN: 50-31-21-000-237.000-017
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