Skip main navigation
Active
  • $745,000

    4320 Cottage Ave, Mishawaka, IN 46544

    4beds
    3,187sqft
    : 
    Loading
    Get pre-qualified
    Single Family Residence
    Built in 1996
    0.41 Acres Lot
    $724,700 Zestimate®
    $--/sqft
    $-- HOA

    What's special

    Riverfront retreatMain-level primary ensuiteElegant interiorsSophisticated updatesSpacious walk-in closetFrameless steam showerMain-floor home office
    ~~Exceptional Riverfront Retreat with 130+ Feet of Scenic ST. JOSEPH RIVER Frontage~~ Discover the art of luxury living in this exceptional riverfront retreat, gracefully situated on three beautifully maintained lots and offering over 130 feet of tranquil frontage along one of the region’s most picturesque waterways. Designed to balance elegance and livability, this property captures stunning views from nearly every window and invites effortless entertaining indoors and out. The home’s transformation is evident in every detail, reflecting years of thoughtful design and expert craftsmanship. Extensive improvements have been completed, including major renovations by the esteemed Peacock & Co. and professional landscaping by Foegley Landscape, Inc. The result is a property that feels both refined and refreshed—surrounded by lush, manicured gardens and outdoor spaces perfect for gathering with friends, or simply enjoying the peaceful rhythm of the river. Inside, the thoughtful layout exudes both warmth and functionality. The chef-inspired kitchen, remodeled by Peacock & Co., showcases stainless steel appliances, including a top-of-the-line Thermador gas range, a granite-topped breakfast bar, cherry cabinetry, travertine flooring, and a walk-in pantry, forming the true heart of the home. The main-level primary ensuite opens to the pergola covered patio with river views for an easy connection to the outdoors. The primary quarters includes a spacious walk-in closet and a spa-quality bath with heated tile flooring and towel rack, dual vanities, and a frameless steam shower designed for ultimate relaxation. In the living room, elegant design meets comfort with a gas fireplace framed in custom masonry and built-in shelving that adds both beauty and functionality. A main-floor home office provides a peaceful space for productivity or creative pursuits. Upstairs, three spacious bedrooms accompany a remodeled full bath, with one bedroom being ideal for a second living room, media space, or used as a separate living area with private access through the three-stall garage. Every detail of this home reflects thoughtful design and fine craftsmanship. With its combination of elegant interiors, sophisticated updates, and breathtaking natural surroundings, this property offers a truly remarkable riverfront lifestyle you will not want to miss! ***CURRENT TAXES SHOWN ARE WITHOUT HOMESTEAD EXEMPTION***
    78 days
    |
    852
    |
    43
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Kerrie Drury Cell:574-607-3890,

    RE/MAX 100

    Source: IRMLS,MLS#: 202615909MLS Logo

    Loading...

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 3
      • Main level bedrooms: 1
      Bedroom 1
      • Level: Main
      Bedroom 2
      • Level: Upper
      Dining room
      • Level: Main
      • Area: 195
      • Dimensions: 15 x 13
      Kitchen
      • Level: Main
      • Area: 144
      • Dimensions: 12 x 12
      Living room
      • Level: Main
      • Area: 374
      • Dimensions: 22 x 17
      Office
      • Level: Main
      • Area: 156
      • Dimensions: 13 x 12
      Heating
      • Natural Gas, Baseboard, Floor Furnace, Hot Water, Radiant, Multiple Heating Systems
      Cooling
      • Central Air
      Appliances
      • Laundry: Main Level
      Features
      • 1st Bdrm En Suite, Ceiling Fan(s), Walk-In Closet(s), Countertops-Solid Surf, Eat-in Kitchen, Kitchen Island, Pantry, Steam Shower, Double Vanity, Stand Up Shower, Tub/Shower Combination, Bidet, Custom Cabinetry
      • Flooring: Carpet, Tile
      • Basement: Crawl Space,Concrete
      • Number of fireplaces: 1
      • Fireplace features: Living Room, Gas Log
      Interior area
      • Total structure area: 3,187
      • Total interior livable area: 3,187 sqft
      • Finished area above ground: 3,187
      • Finished area below ground: 0
      Video & virtual tour

      Property

      Parking
      • Total spaces: 3
      • Parking features: Attached, Garage Door Opener, Garage Utilities, Concrete
      • Attached garage spaces: 3
      • Has uncovered spaces: Yes
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Deck Covered, Deck, Patio
      • Exterior features: Fire Pit, Irrigation System
      • Fencing: Metal,Pet Fence
      • Has view: Yes
      • On waterfront: Yes
      • Waterfront features: Waterfront, Deck on Waterfront, Pier/Dock, Boat Lot, River Front, River
      • Body of water: Saint Joseph River
      • Frontage length: Water Frontage(130)
      Lot
      • Size: 0.41 Acres
      • Dimensions: 120X150
      • Features: Sloped, 0-2.9999, Landscaped
      Details
      • Parcel number: 711007327012.000023
      • Other equipment: Built-In Entertainment Ct

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Brick
      • Roof: Asphalt,Shingle
      Condition
      • New construction: No
      • Year built: 1996

      Utilities & green energy

      • Sewer: City
      • Water: City

      Community & HOA

      Community
      • Security: Security System, Smoke Detector(s)
      • Subdivision: Twin Branch
      Location
      • Region: Mishawaka

      Financial & listing details

      • Tax assessed value: $730,400
      • Annual tax amount: $12,136
      • Date on market: 5/1/2026
      • Listing terms: Cash,Conventional,FHA,VA Loan

        Estimated market value

        $724,700

        $688,000 - $761,000

        $3,129/mo

        Price history

        DateEventPrice
        5/1/2026Listed for sale$745,000
        Source: IRMLS #202615909 Report a problem
        4/30/2026Listing removed$745,000
        Source: IRMLS #202543978 Report a problem
        4/17/2026Listed for sale$745,000
        Source: IRMLS #202543978 Report a problem
        2/3/2026Listing removed$745,000
        Source: IRMLS #202543978 Report a problem
        10/30/2025Listed for sale$745,000+6.4%
        Source: IRMLS #202543978 Report a problem
        10/24/2023Sold$700,000
        Source: IRMLS #202331908 Report a problem
        9/28/2023Pending sale$700,000
        Source: IRMLS #202331908 Report a problem
        9/2/2023Listed for sale$700,000
        Source: IRMLS #202331908 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$12,136 +103.8%$730,400 +40.7%
        2024$5,956 -1.3%$519,000 +5.8%
        2023$6,034 +12.9%$490,700
        2022$5,342 +13.5%$490,700 +13.6%
        2021$4,708 +6.6%$431,900 +11%
        2020$4,417 -18.6%$389,100 +7%
        2019$5,424 +0.4%$363,800 +3.9%
        2018$5,404 +2.6%$350,100 +8.4%
        2017$5,269 +11.8%$323,000 -2.2%
        2016$4,713 -0.3%$330,300 -4.1%
        2014$4,726 -4.8%$344,500 -1.1%
        2013$4,964 +18.7%$348,200 +18.8%
        2012$4,182 -31.9%$293,000 -28.3%
        2011$6,137 -0.2%$408,700
        2010$6,150 -51.4%$408,700 -6.8%
        2009$12,647 $438,400 +25.2%
        2007-- $350,200 -38.7%
        2006$6,514 +0.2%$571,600
        2004$6,502 +2.8%$571,600 -17%
        2003$6,325 $688,720 +1664.1%
        2001-- $39,040
        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.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: 46544

        Getting around

        18 / 100
        Car-Dependent
        30 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Twin Branch
        • Middle: John Young
        • High: Mishawaka
        • District: School City of Mishawaka

        Source: IRMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

        A local agent can set up tours, give advice and negotiate with sellers.

        A local lender can help you make sure your offer is ready when you are.

        Browse local experts

        Similar homes