Listing courtesy of Real Broker, LLC · Listing agent: Kelly Schaffer

Virtual tour
ActiveSite-Built Home

51081 Winding Waters Lane

$419,900

$155.86 / sq ft

Est. $2,622/mo

Elkhart, IN 46514Sturdy Oak

  • On Christiana Creek
  • 2-car garage
  • Fireplace
  • Basement
Bedrooms
4
Bathrooms
2.5
Living area
3,521 sq ft
Lot
0.94 ac
Year built
1973
Type
Site-Built Home
Listed
September 29, 2026
MLS #
202640396

Open houses

About this home

*OPEN HOUSE 10/4 2PM TO 4PM* Get ready to fall in love with this completely renovated Christiana Creek home where nearly every inch has been thoughtfully updated. Sitting on almost an acre with 100 feet of stunning creek frontage in Elkhart, this four-bedroom, two-and-a-half-bath home is ready for you to move right in. From the moment you arrive, you will love the gorgeous covered brick front entry, a wonderful, cozy spot to sit and welcome guests or enjoy views of the front yard. Inside, the home offers a fantastic layout featuring two main-level living spaces, giving you plenty of room to spread out. The open-concept kitchen features beautiful green-painted cabinetry, sleek quartz countertops, and a peninsula with barstool seating, flowing seamlessly into the main living area centered around a cozy brick fireplace. Separating the kitchen and the second living space is a perfect formal dining room. What makes this home so functional for hosting and everyday living is the incredible outdoor access, featuring multiple exit points including a sliding door off the kitchen area and a sliding door from the formal dinning space leading out to a great back deck. Upstairs, you will find large bedrooms all featuring decent closet space, a hallway bath, and a very large private primary ensuite complete with tons of closet space. Downstairs, you have a partially finished basement featuring a built-in bar, leaving plenty of opportunity to do updates, add your personal touch, and grow into the space. Complete with a two-car attached garage and a backyard that slopes right down to the water, ideal for summer fun or winter sledding, this is your chance to live on Christiana Creek and enjoy it year-round!

Monthly payment estimate

$2,622/mo

Principal & interest
$2,298
Property taxes
$201
Homeowners insurance
$123
Your loan

  • 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
14
Total area
4,072 sq ft
Finished area above grade
2,694 sq ft
Finished area below grade
827 sq ft
Unfinished area below grade
551 sq ft
Below grade total
1,378 sq ft
Bedrooms above grade
4
Full baths, upper level
2
Half baths, main level
1
Basement
Full, Partially Finished
Flooring
Carpet, Tile, Vinyl
Heating
Natural Gas, Forced Air
Cooling
Central Air
Fireplaces
1
Fireplace features
Fire Pit, Living/Great Rm
Laundry
In Basement
Interior features
1st Bdrm En Suite, Bar, Ceiling Fan(s), Countertops-Solid Surf, Formal Dining Room

Exterior & parking

Construction
Brick, Vinyl Siding
Garage spaces
2
Attached garage
Yes
Garage type
Attached
Garage sq ft
506 sq ft
Private pool
No
Other structures
Shed(s)
New construction
No

Waterfront & lake

Waterfront
Yes
Body of water
Christiana Creek
Water access
Channel Front/Canal
Water frontage
100 ft
Water feature
Creek

Lot

Subdivision
Sturdy Oak
Lot features
Sloped, Waterfront
Lot size (acres)
0.94 ac
Lot dimensions
100x400
County
Elkhart County
Township
Osolo
Platted
Yes
Planned unit development
No
Directions
Take Sturdy Oak Drive from Cassopolis St., left on Shady lane, right on aspenwood dr. Follow that around to winding waters.

Schools

Elementary school
Mary Feeser
Middle school
West Side
High school
Elkhart
School district
Elkhart Community Schools

Taxes & terms

Annual taxes
$2,408
Tax year
2025
Tax exemptions
Homestead
Listing terms
Cash, Conventional, FHA, VA
Possession
Day Of Closing
Parcel number
20-02-18-226-006.000-026

Included in the sale

Included in sale
Dishwasher,Refrigerator,Range-Gas,Water Heater Electric

Utilities

Water
Well
Well
Private
Sewer
Septic Tank
Electric provider
AEP/I&M
Gas provider
NIPSCO

Income & commercial

Gas meters
12

Location

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$419,900

4 beds · 2.5 baths