Experience the best of waterfront living in this beautifully maintained 3 bedroom, 2 bathroom home offering channel access to the St. Joseph River and the privacy of a beautifully secluded backyard setting. This unique property combines comfort, efficiency, and flexible living space featuring solar panels, walk-out basement and a setting designed for enjoying the outdoors. Inside, you'll find inviting living spaces and a finished walkout lower level designed with versatility in mind. The lower level features a full kitchen, spacious living area, bathroom, rec room, along with its own private exterior entrance and direct walkout access to the backyard. This flexible space provides endless possibilities for multi-generational living, extended guests, a home office, recreation, or additional entertaining space. Outdoor amenities include an expansive deck overlooking the water, fenced backyard for privacy, hot tub, and your own private boat dock for easy channel access to the St. Joseph River. Additional highlights include owned solar panels offering energy efficiency and long-term savings, a large storage shed with electricity for boating gear, lawn equipment, and hobbies. Conveniently located with easy access to major roadways including County Road 17 and the Indiana Toll Road. Offering the perfect blend of water recreation, flexible living space, modern efficiency, and everyday convenience, this is a rare opportunity to enjoy the lifestyle you've been looking for.
Active
Price cut: $5K (8/24)
$364,900
22055 State Road 120, Elkhart, IN 46516
3beds
2,048sqft
Single Family Residence
Built in 1963
0.43 Acres Lot
$359,000 Zestimate®
$--/sqft
$-- HOA
What's special
Rec roomBeautifully secluded backyard settingWalk-out basementHot tubFinished walkout lower levelPrivate exterior entranceInviting living spaces
- 40 days
- 814
- 36
Zillow last checked:
Listing updated:
Listed by:
Amanda R Ramundo Cell:574-538-7405,
Model Real Estate LLC
Source: IRMLS,MLS#: 202630193
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 2
Bedroom 1
- Level: Main
Bedroom 2
- Level: Main
Family room
- Level: Lower
- Area: 160
- Dimensions: 16 x 10
Kitchen
- Level: Main
- Area: 165
- Dimensions: 15 x 11
Living room
- Level: Main
- Area: 270
- Dimensions: 18 x 15
Heating
- Natural Gas, Forced Air
Cooling
- Central Air
Appliances
- Included: Microwave, Refrigerator, Electric Range, Gas Water Heater, Water Softener Owned
- Laundry: Electric Dryer Hookup, Washer Hookup
Features
- Ceiling Fan(s), Stand Up Shower, Tub/Shower Combination
- Flooring: Carpet, Laminate, Vinyl
- Windows: Window Treatments
- Basement: Walk-Out Access,Finished
- Has fireplace: No
Interior area
- Total structure area: 2,352
- Total interior livable area: 2,048 sqft
- Finished area above ground: 1,008
- Finished area below ground: 1,040
Video & virtual tour
Property
Parking
- Total spaces: 1
- Parking features: Attached, Concrete
- Attached garage spaces: 1
- Has uncovered spaces: Yes
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck, Covered, Porch
- Has spa: Yes
- Spa features: Private
- Fencing: Wood
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Waterfront, Waterfront-Level Bank, Pier/Dock, Canal Front, River
- Body of water: St. Joe River Upper
- Frontage length: Water Frontage(100)
Lot
- Size: 0.43 Acres
- Dimensions: 110 x 170
- Features: Sloped, 0-2.9999, City/Town/Suburb, Landscaped
Details
- Additional structures: Shed
- Parcel number: 200236427007.000009
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
Condition
- New construction: No
- Year built: 1963
Utilities & green energy
- Electric: Photovoltaics Seller Owned
- Sewer: Septic Tank
- Water: Well
Community & HOA
Community
- Subdivision: None
Location
- Region: Elkhart
Financial & listing details
- Tax assessed value: $238,200
- Annual tax amount: $1,974
- Date on market: 7/27/2026
- Listing terms: Cash,Conventional,FHA,VA Loan
Estimated market value
$359,000
$341,000 - $377,000
$2,202/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/24/2026 | Price change | $364,900-1.4% |
Source:  IRMLS #202630193 Report a problem | ||
| 7/27/2026 | Listed for sale | $369,900+208.3% |
Source: IRMLS #202630193 Report a problem | ||
| 5/8/2006 | Sold | $120,000$59/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $1,102 +10.6% | $238,200 +11.3% |
| 2024 | $997 -27.6% | $214,000 +3.4% |
| 2023 | $1,376 -0.3% | $207,000 +12.6% |
| 2022 | $1,380 -16.2% | $183,900 +6.5% |
| 2021 | $1,646 +12.6% | $172,600 +17.6% |
| 2020 | $1,462 +7.4% | $146,800 +10.4% |
| 2019 | $1,361 +8.7% | $133,000 +4.5% |
| 2018 | $1,251 +20.4% | $127,300 +7.6% |
| 2017 | $1,040 | $118,300 +7.2% |
| 2016 | $1,040 -3.3% | $110,400 -0.3% |
| 2014 | $1,075 +6.2% | $110,700 |
| 2013 | $1,013 +0.2% | $110,700 +2.5% |
| 2012 | $1,011 +400.4% | $108,000 +31.7% |
| 2011 | $202 -23.3% | $82,000 -6.7% |
| 2010 | $263 -30.4% | $87,900 -9.3% |
| 2009 | $378 | $96,900 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: 46516
Nearby schools
Schools provided by the listing agent
- Elementary: East Side
- Middle: Concord
- High: Concord
- District: Concord Community Schools
Source: IRMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
Similar homes
- $340,0003 bd3 ba2.2k sqft54074 Echo Ln, Bristol, IN 46507For Sale
MLS ID #202631425, Sean Leonard, Myers Trust Real Estate. IRMLS - $380,0004 bd3 ba2.6k sqft52824 County Road 15, Elkhart, IN 46514For Sale
MLS ID #202630609, Kelly Dyksen, Rooted Realty. IRMLS - $327,9003 bd3 ba2.1k sqft1510 Springbrook Dr, Elkhart, IN 46514For Sale
MLS ID #202634020, Tonia L Miller, Price Investments. IRMLS - $345,0004 bd3 ba2k sqft22933 Alderwood Ct, Elkhart, IN 46514For Sale
MLS ID #202633358, Dianna Morningstar, McKinnies Realty, LLC Elkhart. IRMLS - $349,9004 bd2 ba1.9k sqft69601 Christiann Creek Dr, Edwardsburg, MI 49112For Sale
MLS ID #26043035, Cynthia Trapp, Cressy & Everett Real Estate. MichRIC
