$699,000

54454 Heron Cove Ln Elkhart, IN 46516

Estimated payment $4,264/month

Total Views 9,265
5 Beds
3.5 Baths
3,119 Sq Ft
$224 Price per Sq Ft

Highlights

  • 180 Feet of Waterfront
  • Primary Bedroom Suite
  • 2 Car Attached Garage
  • Pier or Dock
  • Formal Dining Room
  • Eat-In Kitchen

About This Home

Discover Over 3,000 sq ft of Thoughtfully Updated Living Space on the Peaceful Channel of the Upper St. Joe River In Heron Cove! This 4–5 bedroom, 3.5 bath Haven Offers unmatched Serenity and Functionality—Including a Full Bathroom on Every Level, Making Busy Mornings and Guest Stays a Breeze! Step Inside to a Beautiful Soaring Coffered Ceiling & Wall of Windows in the Living Room, and a Gourmet Kitchen (2021) Boasting Spacious Quartz Countertops, Black Stainless Steel Appliances, Tiled Backsplash, Pantry and Walk-Around Island. The Main-Level Primary En-Suite Provides a Relaxing Escape, while Three Upstairs Bedrooms and another Full Bath Offer Comfort and Privacy for the Whole Family. The Walk-Out Basement Provides a Versatile Layout that Includes an Additional Bedroom or Office, Full Bath, Kitchenette, Game Room, and Spacious Family Room—Ideal for Entertaining. Enjoy the Peacefulness of the Channel with Steel Wall and Year-Round Dock Access—No Hauling, No Seasonal Stress, No Wake Splashing Against the Seawall and High Ground - No Chance of Flooding! Entertain Effortlessly on the New Composite Deck, Railing, & Staircase (2021) with Power Awning! Additional Updates to This Meticulously Kept Home Include Vinyl Luxury Flooring (2021), Front Storm Door, New Chimney and Cap, and New Lighting. Perfect Location with the Park Area with Volleyball, Tennis Court, Basketball Court, Playground, & Picnic Area Right Across the Street . Enjoy Summertime on the River with Live Free Music on the Weekends!

Listing Agent

Amy Troyer

Snyder Strategy Realty Inc. Brokerage Phone: 574-354-1841 Listed on: 07/01/2025

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,700

Year Built

  • Built in 1989

Lot Details

  • 0.36 Acre Lot
  • Lot Dimensions are 87 x 180
  • 180 Feet of Waterfront
  • Home fronts a canal
  • Level Lot
  • Irrigation

HOA Fees

  • $63 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Driveway

Home Design

  • Brick Exterior Construction
  • Poured Concrete
  • Asphalt Roof
  • Cedar

Interior Spaces

  • 2-Story Property
  • Built-in Bookshelves
  • Entrance Foyer
  • Formal Dining Room

Kitchen

  • Eat-In Kitchen
  • Kitchen Island

Bedrooms and Bathrooms

  • 5 Bedrooms
  • Primary Bedroom Suite

Laundry

  • Laundry on main level
  • Gas Dryer Hookup

Partially Finished Basement

  • Walk-Out Basement
  • Basement Fills Entire Space Under The House
  • 1 Bathroom in Basement
  • 1 Bedroom in Basement

Schools

  • Ox Bow Elementary School
  • Concord Middle School
  • Concord High School

Utilities

  • Forced Air Heating and Cooling System
  • Heating System Uses Gas
  • The river is a source of water for the property
  • Private Company Owned Well
  • Well
  • Septic System

Additional Features

  • Sun Deck
  • Suburban Location

Listing and Financial Details

  • Assessor Parcel Number 20-02-36-426-013.000-009

Community Details

Overview

  • Heron Cove Subdivision

Recreation

  • Pier or Dock
  • Community Playground

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,700

Year Built

Built in 1989

Lot Details

0

HOA Fees

$63 per month

Parking

2

Listing Details

  • Class: RESIDENTIAL
  • Property Sub Type: Site-Built Home
  • Waterfront: Yes
  • Year Built: 1989
  • Age: 36
  • Style: Two Story
  • Total Number of Rooms: 10
  • Total Number of Rooms Below Grade: 3
  • Bedrooms: 5
  • Number Above Grade Bedrooms: 4
  • Total Bathrooms: 4
  • Total Full Bathrooms: 3
  • Total Number of Half Bathrooms: 1
  • Legal Description: Heron Cove Lot 4& Int In Common Are (Park)
  • Parcel Number ID: 20-02-36-426-013.000-009
  • Platted: Yes
  • Amenities: Built-In Bookcase, Deck Open, Deck on Waterfront, Dryer Hook Up Gas, Eat-In Kitchen, Foyer Entry, Irrigation System, Kitchen Island, Main Level Bedroom Suite, Formal Dining Room, Main Floor Laundry
  • Location: City/Town/Suburb
  • Number Below Grade Bedrooms: 1
  • Year Taxes Payable: 2024
  • Special Features: None
  • Stories: 2

Interior Features

  • Total Sq Ft: 3329
  • Total Finished Sq Ft: 3119
  • Above Grade Finished Sq Ft: 2144
  • Below Grade Finished Sq Ft: 975
  • Below Grade Sq Ft: 210
  • Price Per Sq Ft: 326.03
  • Basement: Yes
  • Basement Foundation: Full Basement, Walk-Out Basement, Partially Finished
  • Basement Material: Poured Concrete
  • Living Great Room: Dimensions: 20x16, On Level: Main
  • Kitchen: Dimensions: 22x12, On Level: Main
  • Dining Room: Dimensions: 13x13, On Level: Main
  • Family Room: Dimensions: 24x19, On Level: Lower
  • Recreation Room: Dimensions: 19x16, On Level: Lower
  • Extra Room: On Level: Lower
  • Bedroom 1: Dimensions: 15x14, On Level: Main
  • Bedroom 2: Dimensions: 14x11, On Level: Upper
  • Bedroom 3: Dimensions: 11x10, On Level: Upper
  • Bedroom 4: Dimensions: 11x10, On Level: Upper
  • Bedroom 5: Dimensions: 16x12, On Level: Lower
  • Other Room1: Game Room, Dimensions: 19x16, On Level: Lower
  • Number Below Grade Bathrooms: 1
  • Number of Below Grade Full Bathrooms: 1
  • Number of Main Level Full Bathrooms: 1
  • Number of Main Level Half Bathrooms: 1
  • Total Below Grade Sq Ft: 1185

Exterior Features

  • Exterior: Brick, Cedar
  • Roof Material: Asphalt
  • Outbuilding1: None
  • Water Features: Pier/Dock
  • Water Frontage: 180
  • Water Name: St. Joe River Upper

Garage/Parking

  • Driveway: Concrete
  • Garage Type: Attached
  • Garage Number Of Cars: 2
  • Garage Size: Dimensions: 22x21
  • Garage Sq Ft: 462
  • Garage: Yes

Utilities

  • Cooling: Central Air
  • Heating Fuel: Gas, Forced Air
  • Sewer: Septic
  • Water Utilities: Well
  • Electric Company: AEP/I&M
  • Gas Company: NIPSCO
  • Laundry: Dimensions: Mainx7, On Level: 11
  • Water Type: River
  • Well Type: Private

Condo/Co-op/Association

  • Association Fees: 750
  • Association Fees Frequency: Annually
  • Common Amenities: Playground, Tennis Courts

Schools

  • School District: Concord Community Schools
  • Elementary School: Ox Bow
  • Middle School: Concord
  • High School: Concord
  • Elementary School: Ox Bow

Lot Info

  • Lot Description: Level, Slope, Waterfront, Waterfront-Level Bank
  • Lot Dimensions: 87 x 180
  • Estimated Lot Sq Ft: 15682
  • Estimated Lot Size Acres: 0.36

Tax Info

  • Annual Taxes: 4700

Multi Family

  • Water Access: Channel Front/Canal

MLS Schools

  • High School: Concord
  • Middle School: Concord
  • School District: Concord Community Schools

Map

Range of Values:

Collateral Analytics

Collateral Analytics Collateral Analytics AVMs (Automated Valuation Model) employ a number of statistical approaches combined with neighborhood-specific comparable selection guarantees the most up-to-date and precise valuations.

Not Available

Collateral Analytics does not have data for the current month. Please view the chart for historical values.

ICE

ICE Mortgage Technology ICE Mortgage Technology’s AVM (Automated Valuation Model) is a state-of-the-art online residential property valuation tool that provides a quick and accurate estimate of the value of almost any home in the U.S.

Not Available

ICE Mortgage Technology does not have data for the current month. Please view the chart for historical values.

First American

First American First American Data & Analytics’ next-generation AVM combines unrivaled data assets with a blended ensemble of valuation models to produce highly accurate, reliable valuations you can trust.

Not Available

First American does not have data for the current month. Please view the chart for historical values.

Quantarium

Quantarium Quantarium’s valuation service, repeatedly proven the industry’s most accurate and comprehensive, is supercharged with a self-learning and auto-tuning AI engine that continually becomes smarter and more accurate as it processes daily inputs from the industry’s leading RE data lake.

Not Available

Quantarium does not have data for the current month. Please view the chart for historical values.

Average Value
Not Available
List Price
Sold Price
Create a Home Valuation Report for This Property
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

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 $4,700 $468,500 $132,800 $335,700
2022 $4,485 $447,000 $132,800 $314,200
2021 $4,210 $419,500 $132,800 $286,700
2020 $9,979 $419,500 $132,800 $286,700
2019 $4,502 $367,300 $79,700 $287,600
2018 $4,232 $345,000 $79,700 $265,300
2017 $4,001 $324,900 $79,700 $245,200
2016 $3,963 $321,900 $79,700 $242,200
2014 $3,711 $308,600 $79,700 $228,900
2013 $3,063 $306,300 $79,700 $226,600
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
07/01/2025 07/01/25 For Sale $699,000 +105.6% $224 / Sq Ft
06/17/2019 06/17/19 Sold $340,000 -4.2% $109 / Sq Ft
05/23/2019 05/23/19 Pending -- -- --
05/18/2019 05/18/19 Price Changed $355,000 -2.1% $114 / Sq Ft
05/04/2019 05/04/19 Price Changed $362,500 -2.0% $116 / Sq Ft
03/29/2019 03/29/19 Price Changed $369,900 -2.6% $119 / Sq Ft
02/01/2019 02/01/19 Price Changed $379,900 -2.3% $122 / Sq Ft
11/07/2018 11/07/18 Price Changed $389,000 -2.5% $125 / Sq Ft
08/12/2018 08/12/18 For Sale $399,000 -- $128 / Sq Ft
Source: Indiana Regional MLS

Purchase History

Date Type Sale Price Title Company
Quit Claim Deed -- Sanders Pianowski Llp
Warranty Deed -- New Title Company Name
Warranty Deed -- New Title Company Name
Warranty Deed -- Lawyers Title
Warranty Deed -- Lawyers Title
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $40,000 Credit Line Revolving
Previous Owner $244,683 New Conventional
Previous Owner $30,000 Credit Line Revolving
Previous Owner $260,000 Purchase Money Mortgage
Previous Owner $75,000 Credit Line Revolving
Source: Public Records

Similar Homes in Elkhart, IN

  • 22147 Sunset Ln, Elkhart, IN 46516

    $574,900

    • 3 Beds
    • 2.5 Baths
    • 1,878 Sq Ft
    • 22147 Sunset Ln
    • Elkhart, IN

    *OPEN HOUSE SUNDAY 4-6 PM*Easy Riverfront Living – 2 Hours from Chicago Wake up to endless river views and let life slow down in this turnkey Riverlan Isles retreat. With low-maintenance finishes, open-concept living, and a wall of windows overlooking the Upper St. Joe River, every day feels like a vacation. Enjoy biking and walking trails, fishing, and boating right outside your door—plus an

    Wilma Mcdougle McKinnies Realty, LLC Elkhart

    Section Image
  • 23234 County Road 106, Elkhart, IN 46514

    $675,000

    • 6 Beds
    • 3 Baths
    • 4,571 Sq Ft
    • 23234 County Road 106
    • Elkhart, IN

    You will love this newly built 2024 home situated on 7.84 acres - it's hardly been lived in! A new house on acreage is hard to come by in this price range. Soaring ceilings, very spacious rooms and tranquil country atmosphere will have you feeling relaxed in no time. You have your space and privacy, yet so close to amenities, shopping and restaurants. 3 full baths and 6 total bedrooms

    Bethany Rowe At Home Realty Group

    Section Image
  • 1765 N Bay Dr, Elkhart, IN 46514

    $624,900

    • 5 Beds
    • 4 Baths
    • 5,493 Sq Ft
    • 1765 N Bay Dr
    • Elkhart, IN

    Don’t let this rare opportunity to own this UNIQUE property slip away! Tucked away in one of the most serene settings you’ll ever find, this private oasis sits on two parcels totaling 2.87 acres, completely surrounded by a lush natural privacy wall of mature trees and bushes. This sprawling 5-bedroom, 4-bathroom home is a hidden gem—offering peace, space, and amenities that are nearly impossible

    Lisa Collio RE/MAX Results-Goshen

    Section Image
  • 4 Edgewater Dr, Elkhart, IN 46516

    $749,900

    • 4 Beds
    • 3.5 Baths
    • 2,568 Sq Ft
    • 4 Edgewater Dr
    • Elkhart, IN

    Welcome to one of the most treasured riverfront addresses in Elkhart. This is more than a home, it’s a private retreat on the deepest and widest stretch of the St. Joseph River, offering unmatched water access and breathtaking sunrise and sunset views. Located at the end of a quiet three-home cul-de-sac with full city utilities (no septic or well), this home offers the best of all worlds:

    Leah Mark Red Bow Realty

    Section Image
  • 23306 Bluff Crest Dr, Elkhart, IN 46516

    $529,900

    • 6 Beds
    • 3.5 Baths
    • 4,112 Sq Ft
    • 23306 Bluff Crest Dr
    • Elkhart, IN

    Get ready to experience a well maintained home with 6 bedrooms,3.5 bathrooms, 4100 SF, a contemporary design, and built by Quality Builders as a Parade Home in 2001-Home has a completed lower level walkout containing 2 bdrs., a family room, bathroom, hobby room, game area w/pool table, a cedar closet, and a mechanical room w/ extra storage-A whole house vacuum system w/ hoses on each level-

    Mike Schade Cressy & Everett- Elkhart

    Section Image
  • 1126 E Jackson Blvd, Elkhart, IN 46516

    $799,000

    • 4 Beds
    • 3.5 Baths
    • 3,802 Sq Ft
    • 1126 E Jackson Blvd
    • Elkhart, IN

    Charming Historic Riverfront Home with Exceptional Features and Expansive Living Space. Welcome to this stunning historic American Foursquare nestled on a spacious 0.7-acre riverfront lot. Featuring 4 large bedrooms with walk-in closets and an optional 5th bedroom without egress down stairs. With timeless character and modern updates, this unique property offers the perfect blend of charm,

    Chantel Boone RE/MAX Results-Goshen

    Section Image
  • 51268 Channel Ct, Elkhart, IN 46514

    $529,999

    • 3 Beds
    • 2.5 Baths
    • 1,536 Sq Ft
    • 51268 Channel Ct
    • Elkhart, IN

    Seller wants a sold sign! Make your move to Waterfront living on highly sought-after All-Sports Simonton Lake! Whether you're looking for a year-round residence, a summer getaway, or the ideal Airbnb investment, this property is the perfect place to call home. Offering over 1,700 square feet of comfortable living space, the home features a kitchen with a moveable island, a dining area, and a

    Julie Thatcher Coldwell Banker Real Estate Group

    Section Image
  • 529 S 2nd St, Elkhart, IN 46516

    $650,000

    • 5 Beds
    • 6 Baths
    • 4,794 Sq Ft
    • 529 S 2nd St
    • Elkhart, IN

    Don't miss your opportunity to own a monumental piece of Elkhart History! The Winchester Mansion is one of the most prestigious buildings in the Midwest and is a shining example of the architectural skills of E. Hill Turnock. Currenty used as an owner occupied event center and bed & breakfast, the Winchester offers a majestic setting for a variety of special events, from weddings to baby showers,

    Carrie Smith RE/MAX 100 Elkhart

    Section Image
  • 51248 N Shore Dr, Elkhart, IN 46514

    $639,900

    • 3 Beds
    • 3 Baths
    • 1,482 Sq Ft
    • 51248 N Shore Dr
    • Elkhart, IN

    Are you in search of the perfect waterfront sanctuary on a ski lake? Look no further than this stunningly updated home on the picturesque Simonton Lake—a true haven that effortlessly combines the charm of a retreat with the practicality needed for year-round living! Step into the inviting open kitchen, where a stylish breakfast bar, elegant quartz countertops, and high-end stainless steel

    Jennea Schirr McKinnies Realty, LLC Elkhart

    Section Image

Source: Indiana Regional MLS

MLS Number: 202525276

Indiana Regional MLS

APN: 20-02-36-426-013.000-009