$1,049,000

20870 N River Ridge Dr Bristol, IN 46507

Estimated payment $6,215/month

Total Views 329
4 Beds
3.5 Baths
4,680 Sq Ft
$224 Price per Sq Ft

Highlights

  • Very Popular Property
  • Primary Bedroom Suite
  • Wood Flooring
  • 120 Feet of Waterfront
  • Living Room with Fireplace
  • Whirlpool Bathtub

About This Home

This stunning riverfront retreat offers luxury living on the picturesque upper St. Joseph River. Situated on 120 feet of prime river frontage, this exceptional home offers breathtaking panoramic views. The heart of the home is a brand-new custom kitchen featuring stainless steel appliances, high-end finishes, and thoughtful design. The main-level primary suite is complete with a generous walk-in closet, stand up shower, dual vanities, and a luxurious jetted tub. Car enthusiasts will love the two attached, garages with room for up to six vehicles — both equipped with heat/irrigation systems. A bonus room above the main-level garage offers potential for additional living space. The walkout lower level has a 3 additional bedrooms, a second kitchen, office and a family room with fireplace. The grandfathered boathouse has an expansive patio — perfect for riverside entertainment. Additional features include a newer roof, newer mechanicals, refinished hardwood floors, fresh paint and a whole-house generator, ensuring peace of mind and efficiency.

Last Listed By

Wendy Echartea

Berkshire Hathaway HomeServices Elkhart Brokerage Phone: 574-293-1010 Listed on: 05/29/2025

Berkshire Hathaway HomeServices Elkhart

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $7,779

Year Built

  • Built in 2002

Lot Details

  • 0.6 Acre Lot
  • Lot Dimensions are 130 x 200
  • 120 Feet of Waterfront
  • River Front
  • Aluminum or Metal Fence
  • Landscaped
  • Irrigation

Parking

  • 6 Car Attached Garage
  • Heated Garage
  • Garage Door Opener
  • Paver Block

Home Design

  • Brick Exterior Construction
  • Shingle Roof
  • Shingle Siding
  • Vinyl Construction Material

Interior Spaces

  • 1-Story Property
  • Built-in Bookshelves
  • Built-In Features
  • Beamed Ceilings
  • Ceiling height of 9 feet or more
  • Ceiling Fan
  • Pocket Doors
  • Entrance Foyer
  • Great Room
  • Living Room with Fireplace
  • 2 Fireplaces
  • Formal Dining Room
  • Laundry on main level

Kitchen

  • Eat-In Kitchen
  • Breakfast Bar
  • Stone Countertops
  • Built-In or Custom Kitchen Cabinets
  • Disposal

Flooring

  • Wood
  • Carpet
  • Laminate
  • Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Primary Bedroom Suite
  • Walk-In Closet
  • Jack-and-Jill Bathroom
  • Bidet
  • Whirlpool Bathtub
  • Bathtub with Shower
  • Separate Shower

Attic

  • Storage In Attic
  • Walkup Attic

Finished Basement

  • Walk-Out Basement
  • Basement Fills Entire Space Under The House
  • Sump Pump
  • Fireplace in Basement
  • 2 Bathrooms in Basement
  • 3 Bedrooms in Basement

Home Security

  • Home Security System
  • Fire and Smoke Detector

Eco-Friendly Details

  • Energy-Efficient Appliances
  • Energy-Efficient HVAC
  • Energy-Efficient Thermostat

Outdoor Features

  • Sun Deck
  • Seawall
  • Patio

Schools

  • Bristol Elementary School
  • Pierre Moran Middle School
  • Elkhart High School

Utilities

  • Forced Air Heating and Cooling System
  • High-Efficiency Furnace
  • Heating System Uses Gas
  • Whole House Permanent Generator
  • The river is a source of water for the property
  • Private Company Owned Well
  • Well
  • Septic System

Listing and Financial Details

  • Assessor Parcel Number 20-03-29-351-010.000-030

Home Details

Home Type

Single Family

Est. Annual Taxes

$7,779

Year Built

Built in 2002

Lot Details

0

Parking

6

Listing Details

  • Class: RESIDENTIAL
  • Property Sub Type: Site-Built Home
  • Waterfront: Yes
  • Year Built: 2002
  • Age: 23
  • Style: One Story
  • Total Number of Rooms: 17
  • Total Number of Rooms Below Grade: 6
  • Bedrooms: 4
  • Number Above Grade Bedrooms: 1
  • Total Bathrooms: 4
  • Total Full Bathrooms: 3
  • Total Number of Half Bathrooms: 1
  • Legal Description: NORTH RIVER RIDGE SUB LOT 3
  • Parcel Number ID: 20-03-29-351-010.000-030
  • Platted: Yes
  • Amenities: Alarm System-Security, Attic Storage, Attic-Walk-up, Breakfast Bar, Built-In Bookcase, Built-in Desk, Ceiling-9+, Ceiling Fan(s), Ceilings-Beamed, Closet(s) Walk-in, Countertops-Stone, Deck Open, Deck on Waterfront, Detector-Smoke, Disposal, Eat-In Kitchen, Foyer Entry, Garage Door Opener, Jet Tub, Generator-Whole House, Irrigation System, Landscaped, Patio Open, Pocket Doors, Stand Up Shower, Tub/Shower Combination, Main Level Bedroom Suite, Bidet, Formal Dining Room, Garage-Heated, Great Room, Main Floor Laundry, Sump Pump, Custom Cabinetry, Jack & Jill Bath
  • Number Below Grade Bedrooms: 3
  • Year Taxes Payable: 2024
  • Special Features: None
  • Stories: 1

Interior Features

  • Total Sq Ft: 5797
  • Total Finished Sq Ft: 4680
  • Above Grade Finished Sq Ft: 2340
  • Below Grade Finished Sq Ft: 2340
  • Above Grade Unfinished Sq Ft: 1117
  • Price Per Sq Ft: 448.29
  • Basement: Yes
  • Basement Foundation: Full Basement, Walk-Out Basement, Finished
  • Number Of Fireplaces: 2
  • Fireplace: Living/Great Rm, Basement
  • Fireplace: Yes
  • Flooring: Hardwood Floors, Carpet, Laminate, Tile
  • Bedroom 1: Dimensions: 16x14, On Level: Main
  • Bedroom 2: Dimensions: 14x11, On Level: Lower
  • Bedroom 3: Dimensions: 16x12, On Level: Lower
  • Bedroom 4: Dimensions: 12x14, On Level: Lower
  • Number Below Grade Bathrooms: 2
  • Number of Below Grade Full Bathrooms: 2
  • Number of Main Level Full Bathrooms: 1
  • Number of Main Level Half Bathrooms: 1
  • Total Below Grade Sq Ft: 2340

Exterior Features

  • Exterior: Brick, Shingle, Vinyl
  • Roof Material: Shingle
  • Outbuilding1: None
  • Fence: Metal
  • Sea Wall Type: Steel
  • Water Frontage: 120
  • Water Name: St. Joe River Upper

Garage/Parking

  • Driveway: Pavers
  • Garage Type: Attached
  • Garage Number Of Cars: 6
  • Garage Size: Dimensions: 24x24
  • Garage Sq Ft: 576
  • Garage: Yes

Utilities

  • Cooling: Central Air
  • Heating Fuel: Gas, Conventional, Forced Air
  • Sewer: Septic
  • Water Utilities: Well
  • Hvac: Ceiling Fan, High Efficiency Furnace
  • Water Type: River
  • Well Type: Private

Schools

  • School District: Elkhart Community Schools
  • Elementary School: Bristol
  • Middle School: Pierre Moran
  • High School: Elkhart
  • Elementary School: Bristol

Lot Info

  • Lot Description: Waterfront
  • Lot Dimensions: 130 x 200
  • Estimated Lot Sq Ft: 26005
  • Estimated Lot Size Acres: 0.597

Green Features

  • Energy Efficient: Appliances, HVAC, Thermostat/Controllers

Tax Info

  • Annual Taxes: 7778.68
  • Exemptions: Homestead, Mortgage, Supplemental

Multi Family

  • Water Access: Riverfront

MLS Schools

  • High School: Elkhart
  • Middle School: Pierre Moran
  • School District: Elkhart Community Schools

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





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 $7,190 $887,700 $144,800 $742,900
2022 $7,190 $752,800 $144,800 $608,000
2021 $6,272 $673,700 $144,800 $528,900
2020 $6,772 $655,800 $144,800 $511,000
2019 $6,348 $623,100 $144,800 $478,300
2018 $6,251 $588,300 $144,800 $443,500
2017 $6,497 $589,700 $144,800 $444,900
2016 $4,708 $452,000 $144,800 $307,200
2014 $4,680 $437,500 $144,800 $292,700
2013 $4,376 $515,300 $144,800 $370,500
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
05/29/2025 05/29/25 For Sale $1,049,000 +87.3% $224 / Sq Ft
07/26/2016 07/26/16 Sold $560,000 -22.8% $120 / Sq Ft
06/29/2016 06/29/16 Pending -- -- --
04/15/2016 04/15/16 For Sale $725,500 -- $155 / Sq Ft
Source: Indiana Regional MLS

Purchase History

Date Type Sale Price Title Company
Personal Reps Deed -- Metropolitan Title
Deed -- Stewart Title Company
Sheriffs Deed $213,000 None Available
Warranty Deed -- Century Title Services
Warranty Deed -- Meridian Title Corp
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $350,000 Stand Alone Refi Refinance Of Original Loan
Previous Owner $350,000 Credit Line Revolving
Previous Owner $150,000 Credit Line Revolving
Previous Owner $750,000 Fannie Mae Freddie Mac
Previous Owner $150,000 Stand Alone Second
Previous Owner $750,000 Stand Alone First
Source: Public Records

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Source: Indiana Regional MLS

MLS Number: 202519916

Indiana Regional MLS

APN: 20-03-29-351-010.000-030