Listing courtesy of Model Real Estate LLC · Listing agent: Amanda Ramundo · Cell: 574-538-7405
22055 State Road 120
Elkhart, IN 46516
Original price $369,900 · Price reduced on September 27, 2026
- On St. Joe River Upper
- 1-car garage
- Basement
- Bedrooms
- 3
- Bathrooms
- 2
- Living area
- 2,048 sq ft
- Lot
- 0.43 ac
- Year built
- 1963
- Type
- Site-Built Home
- Listed
- July 27, 2026
- MLS #
- 202630193
Open houses
- Sun, Oct 112:00 PM – 4:00 PM
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About this home
*Open House*- Sunday, October 11, 2026 2-4 PM 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.
Monthly payment estimate
$2,182/mo
- Principal & interest
- $1,915
- Property taxes
- $165
- Homeowners insurance
- $102
- 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
- One
- Total rooms
- 8
- Total area
- 2,352 sq ft
- Finished area above grade
- 1,008 sq ft
- Finished area below grade
- 1,040 sq ft
- Unfinished area below grade
- 304 sq ft
- Below grade total
- 1,344 sq ft
- Bedrooms above grade
- 2
- Bedrooms below grade
- 1
- Full baths, main level
- 1
- Full baths, below grade
- 1
- Basement
- Walk-Out Basement, Finished
- Flooring
- Carpet, Laminate, Vinyl
- Heating
- Natural Gas, Forced Air
- Cooling
- Central Air
- Laundry
- Electric Dryer Hookup, Lower Level
- Interior features
- Hot Tub/Spa, Ceiling Fan(s), Stand Up Shower, Tub/Shower Combination, Washer Hook-Up
Exterior & parking
- Style
- Ranch
- Construction
- Vinyl Siding
- Garage spaces
- 1
- Attached garage
- Yes
- Garage type
- Attached
- Garage sq ft
- 336 sq ft
- Parking
- Concrete
- Private pool
- No
- Fencing
- Wood
- Other structures
- Shed(s)
- New construction
- No
Waterfront & lake
- Waterfront
- Yes
- Body of water
- St. Joe River Upper
- Waterfront features
- Pier/Dock
- Water access
- Channel Front/Canal
- Water frontage
- 100 ft
- Water feature
- River
Lot
- Lot features
- Landscaped, Sloped, Waterfront, 0-2.9999, Water View, Waterfront-Level Bank
- Lot size (acres)
- 0.43 ac
- Lot dimensions
- 110 x 170
- Location type
- City/Town/Suburb
- County
- Elkhart County
- Township
- Concord
- Platted
- Yes
- Planned unit development
- No
- Directions
- East on SR 120 from CR 17
Schools
- Elementary school
- East Side
- Middle school
- Concord
- High school
- Concord
- School district
- Concord Community Schools
Taxes & terms
- Annual taxes
- $1,974
- Tax year
- 2026
- Tax exemptions
- Homestead, Supplemental
- Listing terms
- Cash, Conventional, FHA, VA
- Possession
- at closing
- Parcel number
- 20-02-36-427-007.000-009
Included in the sale
- Included in sale
- Microwave,Refrigerator,Window Treatments,Range-Electric,Water Heater Gas,Water Softener-Owned,Solar Panels Owned
Utilities
- Water
- Well
- Well
- Private
- Sewer
- Septic Tank
Location
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