Listing courtesy of Snyder Strategy Realty Inc. · Listing agent: Amy Troyer · Cell: 574-354-1841

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ActiveSite-Built Home

54454 Heron Cove Lane

$649,000

$302.71 / sq ft

Est. $4,208/mo

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
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
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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