Listing courtesy of Model Real Estate LLC · Listing agent: Amanda Ramundo · Cell: 574-538-7405

Virtual tour
ActiveSite-Built Home

22055 State Road 120

$349,900

$347.12 / sq ft

Est. $2,182/mo

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

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
Your loan

  • 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.
Change taxes, insurance and more in the full calculator

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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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