Listing courtesy of Coldwell Banker Real Estate Group · Listing agent: Julie Thatcher

Virtual tour
ActiveSite-Built Home

3484 Fox Chase Drive

$948,000

$285.46 / sq ft

Est. $6,192/mo

Bristol, IN 46507Bay Ridge / Bayridge

Original price $1,180,000 · Price reduced on August 23, 2026

  • On St. Joe River Upper
  • 3-car garage
  • Fireplace
  • Basement
Bedrooms
5
Bathrooms
4.5
Living area
4,768 sq ft
Lot
0.48 ac
Year built
1992
Type
Site-Built Home
Listed
March 27, 2026
MLS #
202610254

About this home

Improved price on this rare opportunity to own a stunning custom-built home situated along the St. Joseph River, where timeless craftsmanship meets the perfect solution to everyday living. Encompassing over 5,515 square feet, this 5-bedroom, 4.5-bath residence was designed for both entertaining and effortless everyday living. Step inside to a breathtaking great room where soaring ceilings, dramatic floor-to-ceiling Palladian windows, and a striking fireplace create an atmosphere of HOME. Natural light pours in from every angle, offering sweeping, unobstructed river views that bring a sense of tranquility and peace throughout the home. The chef's kitchen is as functional as it is beautiful, featuring expansive prep space, abundant cabinetry, and an oversized island ideal for gathering. Entertain with ease with the wonderful butler’s pantry, while the walk-in pantry offers additional storage. A spacious and thoughtfully designed mudroom enhances everyday living with style and practicality. Wake up each morning to serene river views and abundant wildlife from the main-level primary suite. The spacious ensuite bath offers a relaxing soaking tub, walk-in closet, and separate shower—creating a private retreat to start and end your day. Upstairs, you will find three generously sized bedrooms, including a private guest suite with its own en-suite bath. A well-appointed Jack-and-Jill bath with dual vanities serves the additional bedrooms, offering both comfort and convenience. The walkout lower level is a destination of its own—designed for relaxation and recreation—with a second fireplace, expansive family room, dedicated game and billiards area, a private safe room, additional bedroom, and continued panoramic riverfront vistas. Outdoors, experience true waterfront luxury. A newer rock seawall and maintenance-free composite deck extend into the water, creating a seamless connection to the river. The multi-tiered entertaining spaces and gas-start firepit set the stage for unforgettable evenings under the stars. No detail has been overlooked, with recent upgrades including a newer roof, (2) dual high-efficiency furnaces, (2) air conditioning systems, (2) water heaters, and updated LED lighting throughout. This is more than a home—it is a private waterfront retreat offering unparalleled beauty, and serenity on the St. Joseph River.

Monthly payment estimate

$6,192/mo

Principal & interest
$5,189
Property taxes
$673
Homeowners insurance
$277
HOA dues
$53
Your loan

  • Rate: Freddie Mac's 30-year fixed average for the week of October 1, 2026.
  • Taxes: the seller's 2024 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
16
Total area
5,515 sq ft
Finished area above grade
3,321 sq ft
Finished area below grade
1,447 sq ft
Unfinished area below grade
747 sq ft
Below grade total
2,194 sq ft
Bedrooms above grade
4
Bedrooms below grade
1
Full baths, main level
1
Full baths, upper level
2
Full baths, below grade
1
Half baths, main level
1
Basement
Full, Walk-Out Basement, Outside Entrance
Flooring
Carpet, Laminate, Ceramic Tile
Heating
Natural Gas, Forced Air
Cooling
Central Air
Fireplaces
2
Fireplace features
Fire Pit, Family Room, Living/Great Rm, Gas Log
Appliances
Disposal
Laundry
Electric Dryer Hookup, Main Level
Interior features
Balcony, Breakfast Bar, Built-in Features, Ceiling Fan(s), Chair Rail, Walk-In Closet(s), Countertops-Stone, Crown Molding, Deck on Waterfront, Detector-Carbon Monoxide, Detector-Smoke, Eat-in Kitchen, Entrance Foyer, Garden Tub, Guest Quarters, Irrigation System, Kitchen Island, Open Floorplan, Pantry, Six Panel Doors, Stand Up Shower, Tub/Shower Combination, Main Level Bedroom Suite, Formal Dining Room, Main Floor Laundry, Custom Cabinetry

Exterior & parking

Construction
Brick, Cedar
Roof
Asphalt
Garage spaces
3
Attached garage
Yes
Garage type
Attached
Parking
Garage Door Opener
Private pool
No
New construction
No

Waterfront & lake

Waterfront
Yes
Body of water
St. Joe River Upper
Water access
Frontage Lot
Water frontage
100 ft
Water feature
River

Lot

Subdivision
Bay Ridge / Bayridge
Lot features
Landscaped, Waterfront, 0-2.9999, Waterfront-Medium Bank
Lot size (acres)
0.48 ac
Lot dimensions
100 x 208
Location type
City/Town/Suburb,Near Walking Trail
County
Elkhart County
Township
Washington
Platted
Yes
Planned unit development
No
Directions
East on SR 120 to Bay Ridge Subdivision. Right on Fox Chase. Second house on the right.

Schools

Elementary school
Bristol
Middle school
Pierre Moran
High school
Elkhart
School district
Elkhart Community Schools

HOA & community

HOA fee
$630
HOA fee frequency
Annually
Community amenities
Tennis Court(s)
Association restrictions
Yes

Taxes & terms

Annual taxes
$8,072
Tax year
2024
Tax exemptions
Homestead
Listing terms
Cash, Conventional
Possession
negotiable
Parcel number
20-03-28-251-017.000-031

Included in the sale

Included in sale
Dishwasher,Microwave,Refrigerator,Washer,Window Treatments,Cooktop-Electric,Dryer-Electric,Oven-Built-In,Oven-Electric,Range-Electric,Sump Pump,Water Heater Gas

Utilities

Water
City
Sewer
Public Sewer
Utilities
Cable Available

Income & commercial

Gas meters
17

Location

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$948,000

5 beds · 4.5 baths