$999,900
$300K PRICE DROP

Estimated payment $6,577/month

Total Views 7,291
5 Beds
4.5 Baths
4,983 Sq Ft
$201 Price per Sq Ft

Highlights

  • 102 Feet of Waterfront
  • Open Floorplan
  • Cathedral Ceiling
  • Pier or Dock
  • Fireplace in Bedroom
  • Backs to Open Ground

About This Home

OPEN HOUSE Sunday December 7th, 12-2:00. Experience panoramic river views from this exceptional 5-bed, 4.5-bath home on the Upper St. Joe. With nearly 5000 square feet of thoughtfully designed living space, this property combines comfort, craftsmanship, and style. The main-level primary suite features its own fireplace, dual walk-in closets, a spacious glass shower, two-person whirlpool tub, and double vanities. The open living area impresses with vaulted beamed ceilings and a striking three-sided fireplace that connects to the dining room. The custom kitchen offers high-end cabinetry, granite countertops, pull-out storage, a hidden spice rack, breakfast bar, and a walk-in pantry—ideal for both everyday living and entertaining. The finished walk-out basement includes a wet bar, home theater, and a light-filled atrium that opens to the backyard. Outside, relax on the deck or covered patio while overlooking the manicured yard and peaceful river setting with gazebo. The oversized four-car garage provides plenty of space for vehicles, tools, and toys. A rare opportunity to own a home that captures the best of riverfront living in both function and design. Solor boat lift included.

Listing Agent

Maria Pendley

Keller Williams Realty Group Brokerage Email: mariapendley1@gmail.com Listed on: 10/22/2025

Keller Williams Realty Group

Co-Listing Agent

Adam Pendley

Keller Williams Realty Group Brokerage Email: mariapendley1@gmail.com

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $15,876

Year Built

  • Built in 1992

Lot Details

  • 0.8 Acre Lot
  • Lot Dimensions are 102x356
  • 102 Feet of Waterfront
  • River Front
  • Backs to Open Ground
  • Wood Fence
  • Level Lot
  • Irrigation

Parking

  • 4 Car Attached Garage
  • Heated Garage
  • Driveway

Home Design

  • Victorian Architecture
  • Poured Concrete
  • Shingle Roof
  • Stucco Exterior
  • Stone Exterior Construction

Interior Spaces

  • 2.5-Story Property
  • Open Floorplan
  • Wet Bar
  • Built-in Bookshelves
  • Built-In Features
  • Bar
  • Woodwork
  • Crown Molding
  • Cathedral Ceiling
  • Ceiling Fan
  • Self Contained Fireplace Unit Or Insert
  • Gas Log Fireplace
  • Pocket Doors
  • Entrance Foyer
  • Great Room
  • Living Room with Fireplace
  • 5 Fireplaces
  • Fire and Smoke Detector
  • Laundry on main level

Kitchen

  • Kitchenette
  • Eat-In Kitchen
  • Walk-In Pantry
  • Kitchen Island
  • Laminate Countertops
  • Built-In or Custom Kitchen Cabinets
  • Disposal

Flooring

  • Tile
  • Vinyl

Bedrooms and Bathrooms

  • 5 Bedrooms
  • Fireplace in Bedroom
  • En-Suite Primary Bedroom
  • Walk-In Closet
  • Jack-and-Jill Bathroom
  • Double Vanity
  • Whirlpool Bathtub
  • Bathtub with Shower
  • Steam Shower
  • Garden Bath

Attic

  • Storage In Attic
  • Walkup Attic
  • Pull Down Stairs to Attic

Finished Basement

  • Walk-Out Basement
  • Basement Fills Entire Space Under The House
  • Sump Pump
  • Fireplace in Basement
  • 1 Bathroom in Basement

Outdoor Features

  • Sun Deck
  • Seawall
  • Balcony
  • Covered Deck
  • Covered Patio or Porch

Location

  • Suburban Location

Schools

  • Pinewood Elementary School
  • North Side Middle School
  • Elkhart High School

Utilities

  • Forced Air Heating and Cooling System
  • Heating System Uses Gas
  • The river is a source of water for the property
  • Cable TV Available

Community Details

  • Pier or Dock

Listing and Financial Details

  • Assessor Parcel Number 20-02-34-478-019.000-027

Home Details

Home Type

Single Family

Est. Annual Taxes

$15,876

Year Built

Built in 1992

Lot Details

0

Parking

4

Listing Details

  • Class: RESIDENTIAL
  • Property Sub Type: Site-Built Home
  • Waterfront: Yes
  • Year Built: 1992
  • Style: Two and Half Story
  • Architectural Style: Victorian
  • Bedrooms: 5
  • Total Bathrooms: 5
  • Total Full Bathrooms: 4
  • Total Number of Half Bathrooms: 1
  • Legal Description: BROADMOOR LOT 40
  • Parcel Number ID: 20-02-34-478-019.000-027
  • Platted: Yes
  • Amenities: 1st Bdrm En Suite, Attic Pull Down Stairs, Attic Storage, Attic-Walk-up, Balcony, Bar, Built-In Speaker System, Built-In Bookcase, Cable Available, Ceiling-9+, Ceiling-Cathedral, Ceiling Fan(s), Closet(s) Walk-in, Countertops-Laminate, Countertops-Solid Surf, Countertops-Stone, Crown Molding, Deck Covered, Deck on Waterfront, Detector-Smoke, Disposal, Eat-In Kitchen, Foyer Entry, Jet Tub, Jet/Garden Tub, Irrigation System, Kitchen Island, Natural Woodwork, Open Floor Plan, Pantry-Walk In, Patio Covered, Patio Open, Pocket Doors, Porch Covered, Six Panel Doors, Steam Shower, Twin Sink Vanity, Wet Bar, Kitchenette, Tub/Shower Combination, Garage-Heated, Great Room, Main Floor Laundry, Sump Pump, Custom Cabinetry, Jack & Jill Bath
  • Location: City/Town/Suburb
  • Special Features: None
  • Stories: 2

Interior Features

  • Total Sq Ft: 5131
  • Total Finished Sq Ft: 4983
  • Above Grade Finished Sq Ft: 3649
  • Below Grade Finished Sq Ft: 1334
  • Below Grade Sq Ft: 148
  • Basement: Yes
  • Basement Foundation: Full Basement, Walk-Out Basement, Finished
  • Basement Material: Poured Concrete
  • Number Of Fireplaces: 5
  • Fireplace: Family Rm, Living/Great Rm, Rec Rm, 1st Bdrm, 2nd Bdrm, Gas Log, Basement, Three +, Fireplace Insert, Vented
  • Fireplace: Yes
  • Flooring: Tile, Vinyl
  • Living Great Room: Dimensions: 17x21, On Level: Main
  • Kitchen: Dimensions: 12x21, On Level: Main
  • Dining Room: Dimensions: 12x12, On Level: Main
  • Family Room: Dimensions: 15x17, On Level: Main
  • Den: Dimensions: 16x14, On Level: Lower
  • Recreation Room: Dimensions: 21x27, On Level: Lower
  • Extra Room: Work out room, On Level: Lower
  • Bedroom 1: Dimensions: 18x15, On Level: Upper
  • Bedroom 2: Dimensions: 12x11, On Level: Upper
  • Bedroom 3: Dimensions: 13x12, On Level: Upper
  • Bedroom 4: Dimensions: 15x16, On Level: Upper
  • Bedroom 5: Dimensions: 14x12, On Level: Upper
  • Other Room1: jacuzzi, Dimensions: 9x8
  • Number Below Grade Bathrooms: 1
  • Number of Below Grade Full Bathrooms: 1
  • Number of Main Level Half Bathrooms: 1
  • Total Below Grade Sq Ft: 1482

Exterior Features

  • Exterior: Stone, Stucco
  • Roof Material: Shingle
  • Outbuilding1: None
  • Fence: Wood
  • Sea Wall Type: Concrete
  • Water Features: Pier/Dock
  • Water Frontage: 102
  • Water Name: St. Joe River Upper

Garage/Parking

  • Driveway: Asphalt
  • Garage Type: Attached
  • Garage Number Of Cars: 4
  • Garage Size: Dimensions: 24x46
  • Garage: Yes

Utilities

  • Cooling: Central Air
  • Heating Fuel: Gas, Forced Air
  • Sewer: City
  • Water Utilities: City
  • Electric Company: AEP/I&M
  • Gas Company: NIPSCO
  • Hvac: Ceiling Fan
  • Water Type: River

Schools

  • Elementary School: Pinewood

Lot Info

  • Lot Description: Level, Waterfront, 0-2.9999
  • Lot Dimensions: 102X356
  • Estimated Lot Sq Ft: 34979
  • Estimated Lot Size Acres: 0.8
  • Lot Number: 40

Tax Info

  • Annual Taxes: 15876

Multi Family

  • Water Access: Riverfront

MLS Schools

  • High School: Elkhart
  • Middle School: North Side
  • School District: Elkhart Community Schools

Map

Range of Values:

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Value Increase
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Percent Increase
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Adjusted for Inflation
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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 $15,920 $784,800 $233,100 $551,700
2022 $15,920 $785,400 $296,900 $488,500
2021 $6,905 $674,700 $233,100 $441,600
2020 $7,699 $697,900 $296,900 $401,000
2019 $6,915 $630,700 $296,900 $333,800
2018 $6,983 $726,800 $328,600 $398,200
2017 $6,223 $559,900 $328,600 $231,300
2016 $6,092 $549,900 $328,600 $221,300
2014 $6,252 $575,300 $328,600 $246,700
2013 $5,801 $575,300 $328,600 $246,700
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
12/07/2025 12/07/25 Price Changed $999,900 -9.1% $201 / Sq Ft
11/05/2025 11/05/25 Price Changed $1,100,000 -15.4% $221 / Sq Ft
10/22/2025 10/22/25 For Sale $1,300,000 +100.0% $261 / Sq Ft
01/15/2020 01/15/20 Sold $650,000 -7.0% $130 / Sq Ft View Prior Sale
12/20/2019 12/20/19 Pending -- -- --
11/12/2019 11/12/19 Price Changed $699,000 -6.8% $140 / Sq Ft
10/07/2019 10/07/19 For Sale $749,900 +19.0% $150 / Sq Ft
11/30/2018 11/30/18 Sold $630,000 -9.9% $121 / Sq Ft View Prior Sale
10/16/2018 10/16/18 Pending -- -- --
09/08/2018 09/08/18 Price Changed $699,000 -6.6% $134 / Sq Ft
08/29/2018 08/29/18 For Sale $748,000 +18.7% $144 / Sq Ft
08/29/2018 08/29/18 Off Market $630,000 -- --
06/25/2018 06/25/18 Price Changed $748,000 -3.5% $144 / Sq Ft
05/11/2018 05/11/18 Price Changed $775,000 -3.1% $149 / Sq Ft
02/26/2018 02/26/18 For Sale $799,900 -- $154 / Sq Ft
Source: Indiana Regional MLS

Purchase History

Date Type Sale Price Title Company
Warranty Deed -- None Listed On Document
Warranty Deed -- Hamilton Title
Interfamily Deed Transfer -- Metropolitan Title
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $453,100 New Conventional
Source: Public Records

Source: Indiana Regional MLS

MLS Number: 202542943

Indiana Regional MLS

APN: 20-02-34-478-019.000-027