Listing courtesy of CENTURY 21 Bradley Realty, Inc · Listing agent: Shelby Uptgraft · Cell: 260-633-9065

Virtual tour
ActiveSite-Built Home

5445 N State Road 127 Road

$859,900

$198.09 / sq ft

Est. $5,167/mo

Fremont, IN 46737

Original price $879,900 · Price reduced on October 5, 2026

  • On Little Otter Lake
  • 3 acres
  • 6-car garage
  • Fireplace
  • Basement
  • Energy efficient
Bedrooms
3
Bathrooms
3
Living area
6,582 sq ft
Lot
3 ac
Year built
2023
Type
Site-Built Home
Listed
September 19, 2026
MLS #
202638954

About this home

Welcome to exceptional balance of country-lake living on 3 beautiful acres! Built just two years ago, this thoughtfully designed home showcases quality craftsmanship and attention to detail throughout. No detail was overlooked in creating a home that is both luxurious and incredibly functional—whether you’re entertaining guests or making memories with a growing family. The home offers 3 bedrooms with the potential for a spacious 4th bedroom in the basement, providing flexibility. The open-concept main living area is perfect for everyday living and entertaining, centered around a stunning kitchen featuring commercial-grade Wolf appliances. A beautiful hidden pantry provides exceptional storage while keeping the kitchen clean and inviting. Comfort is built in with radiant heated flooring throughout the entire home, featuring an impressive seven-zone system extending into both garages. The lower-level office provides a private workspace and features a bank vault-style door leading directly into a dedicated shelter space, offering added peace of mind during severe weather or other emergencies. the basement also is pre plumbed for your future wet bar. The approximately 2,100-square-foot addtional garage offers incredible versatility—store your boat, camper, vehicles, or recreational toys, create a workshop, or transform the space into a business or hobby area. The possibilities are endless! Step onto the covered main-level deck and enjoy peaceful views of Little Otter Lake, complete with a luxury outdoor pizza oven that makes entertaining unforgettable. Otter Lake is a fishing lake with connections to Snow Lake and Lake James, offering even more recreational opportunities. While the property does not include private lake access, a nearby public boat ramp makes launching your boat convenient, while the expansive garage provides the perfect place to store it. Outside, the 3-acre setting provides plenty of room for family, pets, hobbies, and enjoying the freedom of country living. Just minutes away from Pokagon State Park. Come check this one out before it's gone.

Monthly payment estimate

$5,167/mo

Principal & interest
$4,707
Property taxes
$209
Homeowners insurance
$251
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
9
Total area
6,582 sq ft
Finished area above grade
4,341 sq ft
Finished area below grade
2,241 sq ft
Below grade total
2,241 sq ft
Bedrooms above grade
1
Bedrooms below grade
2
Full baths, main level
1
Full baths, below grade
1
Half baths, main level
1
Half baths, below grade
1
Basement
Full, Walk-Out Basement, Finished
Heating
Electric, Natural Gas, Radiant
Cooling
Central Air
HVAC
RAD Floors - Hydronic
Fireplaces
1
Fireplace features
Living/Great Rm
Appliances
Disposal
Laundry
Main Level
Interior features
Attic Pull Down Stairs, Storage, Ceiling Fan(s), Vaulted Ceiling(s), Garden Tub, Kitchen Island, Open Floorplan, Pantry, RV Parking, Main Level Bedroom Suite, Garage-Heated, Main Floor Laundry, Custom Cabinetry

Exterior & parking

Construction
Aluminum Siding, Stone
Roof
Asphalt, Shingle
Garage spaces
6
Attached garage
Yes
Garage type
Attached
Garage sq ft
2,100 sq ft
Parking
Garage Door Opener, Concrete
Private pool
No
New construction
No
Energy-efficient features
HVAC, Water Heater

Waterfront & lake

Waterfront
No
Body of water
Little Otter Lake
Water feature
Lake

Lot

Lot features
Level, Water View
Lot size (acres)
3 ac
Lot dimensions
120X560
Location type
Lake,Rural,Near Walking Trail
County
Steuben County
Township
Jamestown
Platted
Yes
Planned unit development
No
Directions
Northbound on I69 get off at exit 354, turn left at the first light on SR-127 and turn left again at the second light (heading towards Pokagon) turn right at the stop sign on SR127, the shared drive will be on your left, property is left- first drive

Schools

Elementary school
Fremont
Middle school
Fremont
High school
Fremont
School district
Fremont Community

Taxes & terms

Annual taxes
$2,508
Tax year
2026
Tax exemptions
Homestead
Listing terms
Cash, Conventional, FHA, VA
Possession
Up to 7 days after closing
Parcel number
76-03-26-310-225.000-006

Included in the sale

Included in sale
Dishwasher,Microwave,Refrigerator,Cooktop-Gas,Oven-Built-In,Range-Electric,Range-Gas,Water Filtration System

Utilities

Water
Well
Well
Private
Sewer
Septic Tank
Electric provider
NIPSCO
Gas provider
NIPSCO

Rooms

RoomLevelDimensions
Living Room—23 × 19 ft
Dining Room—13 × 14 ft
KitchenMain20 × 14 ft
Bedroom 1Main16 × 15 ft
Bedroom 2Lower16 × 13 ft
Bedroom 3Lower16 × 12 ft
Recreation Room—18 × 17 ft
LoftLower40 × 24 ft
LaundryMain14 × 8 ft

Location

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