Listing courtesy of Coldwell Banker Real Estate Group · Listing agent: Erica Amans · Cell: 260-740-8673
130 Terrace Drive
Fremont, IN 46737Terrace Garden(s)
Original price $349,000 · Price reduced on September 7, 2026
- On Clear Lake
- 1-car garage
- Basement
- Bedrooms
- 1
- Bathrooms
- 1
- Living area
- 900 sq ft
- Lot
- 0.09 ac
- Year built
- 1928
- Type
- Site-Built Home
- Listed
- August 19, 2026
- MLS #
- 202633964
About this home
Clear Lake association access, a year-round cottage in Terrace Gardens, and a setup that makes lake life easy without taking on direct-waterfront pricing. 130 Terrace Drive in Fremont gives you a practical way to have your own place at Clear Lake, whether you are looking for a weekend getaway, extra room near family already at the lake, or a second home with part-time vacation rental potential. Inside, the main level keeps things relaxed with an open kitchen and living area, warm wood ceilings, and an enclosed porch that adds more usable space than you might expect. Use it for morning coffee, late-night cards, or add a pull-out sofa and turn it into another sleeping quarter when friends and family stay over. Upstairs, there is a private bedroom plus a large additional sleeping area, giving the cottage flexibility beyond the bedroom count alone. Eight vinyl windows were added upstairs, along with Carrier mini-splits and additional attic insulation to improve comfort for year-round use. The owners have also made functional improvements where they matter, including washer and dryer plumbing and electrical, updated bathroom electrical for a light and exhaust fan, plumbing and electrical for the garbage disposal, and a gas line already installed if you prefer to swap the electric range for gas. A Culligan whole-home water softener system and Culligan reverse-osmosis drinking water system were added in 2021, bringing another level of everyday comfort and convenience to the cottage. Outside, the expanded stone driveway, added sidewalks, deck, firepit area, detached garage, and extra storage give you room for the things that come with summers at the lake. Offered turnkey, this is the kind of Clear Lake place where you can arrive, settle in, and start enjoying it. Less house to maintain, more lake to enjoy.
Monthly payment estimate
$1,980/mo
- Principal & interest
- $1,801
- Property taxes
- $83
- Homeowners insurance
- $96
- Rate: Freddie Mac's 30-year fixed average for the week of October 1, 2026.
- Taxes: the seller's 2025 bill as reported to the MLS. Yours may differ once your own deductions apply.
- Insurance: estimated at 0.35% of the price per year.
- An estimate, not a loan offer. Your rate and payment depend on your credit, loan program and down payment.
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Property details
Interior
- Levels
- Two
- Total rooms
- 6
- Total area
- 900 sq ft
- Finished area above grade
- 900 sq ft
- Bedrooms above grade
- 1
- Full baths, upper level
- 1
- Basement
- Slab
- Flooring
- Laminate, Ceramic Tile
- Heating
- Forced Air
- Cooling
- Multiple Cooling Units
- Appliances
- Disposal
- Laundry
- Upper Level
- Interior features
- Countertops-Laminate, Range/Oven Hook Up Elec, Tub/Shower Combination, Washer Hook-Up
Exterior & parking
- Style
- Ranch
- Construction
- Stone, Vinyl Siding
- Roof
- Metal
- Garage spaces
- 1
- Attached garage
- No
- Garage type
- Detached
- Garage sq ft
- 160 sq ft
- Parking
- Gravel
- Private pool
- No
- New construction
- No
Waterfront & lake
- Waterfront
- No
- Body of water
- Clear Lake
- Waterfront features
- Boat Docking Rights, Pier/Dock, Walk to Lake Access, Association Access
- Water access
- Easement/Other
- Lake type
- Ski Lake
- Water feature
- Lake
Lot
- Subdivision
- Terrace Garden(s)
- Lot features
- Corner Lot, Lake on Lot, Water View
- Lot size (acres)
- 0.09 ac
- Lot dimensions
- 40x96
- Location type
- Lake
- County
- Steuben County
- Township
- Clear Lake
- Platted
- Yes
- Planned unit development
- No
- Directions
- SR 120 to 850E, north to Outer Dr to home on the corner of Outer Dr and Terrace Dr.
Schools
- Elementary school
- Fremont
- Middle school
- Fremont
- High school
- Fremont
- School district
- Fremont Community
HOA & community
- Community amenities
- Sidewalks
Taxes & terms
- Annual taxes
- $993
- Tax year
- 2025
- Possession
- neg.
- Parcel number
- 76-01-29-120-518.000-002
Included in the sale
- Included in sale
- Microwave,Refrigerator,Washer,Dryer-Electric,Laundry-Stacked W/D,Range-Electric,Water Heater Electric,Water Softener-Owned
Utilities
- Water
- Well
- Well
- Private
- Sewer
- Public Sewer
Location
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