Listing courtesy of Snyder Strategy Realty Inc. · Listing agent: Amy Troyer · Cell: 574-354-1841
54454 Heron Cove Lane
Elkhart, IN 46516Heron Cove
- On St. Joe River Upper
- 2-car garage
- Basement
- Bedrooms
- 5
- Bathrooms
- 3.5
- Living area
- 3,119 sq ft
- Lot
- 0.36 ac
- Year built
- 1989
- Type
- Site-Built Home
- Listed
- July 3, 2026
- MLS #
- 202626482
About this home
Discover Over 3,000 sq ft of Thoughtfully Updated Living Space on the Peaceful Channel of the Upper St. Joe River In Heron Cove! This 4–5 bedroom, 3.5 bath Haven Offers unmatched Serenity and Functionality—Including a Full Bathroom on Every Level, Making Busy Mornings and Guest Stays a Breeze! Step Inside to a Beautiful Soaring Coffered Ceiling & Wall of Windows in the Living Room, and a Gourmet Kitchen (2021) Boasting Spacious Quartz Countertops, Black Stainless Steel Appliances, Tiled Backsplash, Pantry and Walk-Around Island. The Main-Level Primary En-Suite Provides a Relaxing Escape, while Three Upstairs Bedrooms and another Full Bath Offer Comfort and Privacy for the Whole Family. The Walk-Out Lower Level Provides a Versatile Layout that Includes an Additional Bedroom or Office, Full Bath, Kitchenette, Game Room, and Spacious Family Room—Ideal for Entertaining. Enjoy the Peacefulness of the Channel with Steel Wall and Year-Round Dock Access—No Hauling, No Seasonal Stress, No Wake Splashing Against the Seawall and High Ground - No Chance of Flooding! Entertain Effortlessly on the New Composite Deck, Railing, & Staircase (2021) with Power Awning! Additional Updates to This Meticulously Kept Home Include Vinyl Luxury Flooring (2021), Front Storm Door, 2 Sump Pumps (2026). New Chimney and Cap, and New Lighting. Perfect Location with the Park Area with Volleyball, Tennis Court, Basketball Court, Playground, & Picnic Area Right Across the Street . Enjoy Summertime on the River with Live Free Music on the Weekends!
Monthly payment estimate
$4,208/mo
- Principal & interest
- $3,552
- Property taxes
- $404
- Homeowners insurance
- $189
- HOA dues
- $63
- 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
- 10
- Total area
- 3,329 sq ft
- Finished area above grade
- 2,144 sq ft
- Finished area below grade
- 975 sq ft
- Unfinished area below grade
- 210 sq ft
- Below grade total
- 1,185 sq ft
- Bedrooms above grade
- 4
- Bedrooms below grade
- 1
- Full baths, main level
- 1
- Full baths, upper level
- 1
- Full baths, below grade
- 1
- Half baths, main level
- 1
- Basement
- Full, Walk-Out Basement, Finished
- Heating
- Natural Gas, Forced Air
- Cooling
- Central Air
- Laundry
- Gas Dryer Hookup, Main Level
- Interior features
- Built-in Features, Deck on Waterfront, Eat-in Kitchen, Entrance Foyer, Irrigation System, Kitchen Island, Main Level Bedroom Suite, Formal Dining Room, Main Floor Laundry
Exterior & parking
- Construction
- Brick, Cedar
- Roof
- Asphalt
- Foundation
- Poured Concrete
- Garage spaces
- 2
- Attached garage
- Yes
- Garage type
- Attached
- Garage sq ft
- 462 sq ft
- Parking
- Concrete
- Private pool
- No
- 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
- 180 ft
- Water feature
- River
Lot
- Subdivision
- Heron Cove
- Lot features
- Level, Sloped, Waterfront, Waterfront-Level Bank
- Lot size (acres)
- 0.36 ac
- Lot dimensions
- 87 x 180
- Location type
- City/Town/Suburb
- County
- Elkhart County
- Township
- Concord
- Platted
- Yes
- Planned unit development
- No
- Directions
- Heron Cove Subdivision is marked by a subdivision sign on Jackson Street just 1/4 mile west of the Jackson Street/CR 17intersection. Turn north off Jackson Street onto Heron Cove Lane; Listing is on the east side of street at 54454 Heron Cove Lane.
Schools
- Elementary school
- Concord Ox Bow
- Middle school
- Concord
- High school
- Concord
- School district
- Concord Community Schools
HOA & community
- HOA fee
- $750
- HOA fee frequency
- Annually
- Community amenities
- Playground, Tennis Court(s)
Taxes & terms
- Annual taxes
- $4,843
- Tax year
- 2025
- Listing terms
- Cash, Conventional
- Possession
- Negotiable
- Parcel number
- 20-02-36-426-013.000-009
Included in the sale
- Included in sale
- Dishwasher,Microwave,Refrigerator,Washer,Window Treatments,Dryer-Gas,Range-Gas,Water Heater Gas,Water Softener-Owned
Utilities
- Water
- Well
- Well
- Private
- Sewer
- Septic Tank
- Electric provider
- AEP/I&M
- Gas provider
- NIPSCO
Income & commercial
- Gas meters
- 10
Location
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