Listing courtesy of Cressy & Everett - South Bend · Listing agent: Laurie Ladow · Cell: 574-532-8779
13086 Bear Creek Court
Middlebury, IN 46540-8646Cedar Creek
- 3-car garage
- Fireplace
- Basement
- Bedrooms
- 4
- Bathrooms
- 3.5
- Living area
- 3,006 sq ft
- Lot
- 0.46 ac
- Year built
- 2002
- Type
- Site-Built Home
- Listed
- October 5, 2026
- MLS #
- 202641153
About this home
Ready to love where you live? This beautifully maintained 4-bedroom, 3.5-bath home in prestigious Cedar Creek offers the space, updates, and comfort you’ve been looking for. Conveniently located in a cul de sac with a large yard. Step inside to gorgeous hardwood floors and an inviting open floor plan designed for both everyday living and entertaining. The spacious kitchen features solid-surface countertops, a prep island, and plenty of storage, while the living room’s gas-log fireplace with built-ins creates the perfect spot to relax. The beautiful primary suite offers a private retreat with a soaking tub and walk-in shower. Three additional bedrooms provide plenty of room for family, guests, or a home office. The walk-out lower level adds valuable living space with a family room and full bath. Outside, enjoy the composite deck, lower level patio, and a beautifully maintained lawn with a sprinkler system. Beautifully cared for and move-in ready, this Cedar Creek home checks all the boxes. Taxes will be substantially lower with Homestead Exemption.
Monthly payment estimate
$3,281/mo
- Principal & interest
- $2,600
- Property taxes
- $529
- Homeowners insurance
- $139
- HOA dues
- $13
- Rate: Freddie Mac's 30-year fixed average for the week of October 1, 2026.
- Taxes: the seller's 2026 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
- 7
- Total area
- 3,237 sq ft
- Finished area above grade
- 2,096 sq ft
- Finished area below grade
- 910 sq ft
- Unfinished area below grade
- 231 sq ft
- Below grade total
- 1,141 sq ft
- Bedrooms above grade
- 4
- Full baths, upper level
- 2
- Full baths, below grade
- 1
- Half baths, main level
- 1
- Basement
- Sump Pump, Full, Walk-Out Basement
- Heating
- Natural Gas, Forced Air
- Cooling
- Central Air
- Fireplaces
- 1
- Fireplace features
- Living/Great Rm
- Appliances
- Disposal
- Laundry
- Gas Dryer Hookup, Main Level
- Interior features
- 1st Bdrm En Suite, Alarm System-Security, High Ceilings, Ceiling Fan(s), Walk-In Closet(s), Countertops-Stone, Entrance Foyer, Irrigation System, Garage-Heated, Great Room, Main Floor Laundry
Exterior & parking
- Construction
- Brick, Vinyl Siding
- Foundation
- Poured Concrete
- Garage spaces
- 3
- Attached garage
- Yes
- Garage type
- Attached
- Garage sq ft
- 759 sq ft
- Parking
- Concrete
- Private pool
- No
- New construction
- No
Waterfront & lake
- Waterfront
- No
Lot
- Subdivision
- Cedar Creek
- Lot features
- Cul-De-Sac
- Lot size (acres)
- 0.46 ac
- Lot dimensions
- 125X160
- Location type
- Rural Subdivision
- County
- Elkhart County
- Township
- Middlebury
- Lots
- 23
- Platted
- Yes
- Planned unit development
- No
- Directions
- CR 8 North out of Middlebury. Left onto Cedar Creek Drive, left onto Bear Creek Ct and subject property will be on your left
Schools
- Elementary school
- York
- Intermediate school
- Heritage
- Middle school
- Northridge
- High school
- Northridge
- School district
- Middlebury Community Schools
HOA & community
- HOA fee
- $150
- HOA fee frequency
- Annually
Taxes & terms
- Annual taxes
- $6,342
- Tax year
- 2026
- Listing terms
- Cash, Conventional
- Possession
- Negotiable
- Parcel number
- 20-08-04-426-006.000-034
Included in the sale
- Included in sale
- Dishwasher,Microwave,Refrigerator,Washer,Window Treatments,Dryer-Gas,Range-Gas,Sump Pump,Water Heater Gas,Water Softener-Owned
Utilities
- Water
- Well
- Well
- Private
- Sewer
- Septic Tank
- Electric provider
- NIPSCO
- Gas provider
- NIPSCO
Income & commercial
- Gas meters
- 13
Location
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