Listing courtesy of McKinnies Realty, LLC Elkhart · Listing agent: Wilma McDougle · Cell: 574-612-3252
56040 River Heights
Elkhart, IN 46516
- On St. Joe River Lower
- 1.1 acres
- 3-car garage
- Basement
- Bedrooms
- 3
- Bathrooms
- 2
- Living area
- 1,732 sq ft
- Lot
- 1.1 ac
- Year built
- 1920
- Type
- Site-Built Home
- Listed
- September 30, 2026
- MLS #
- 202640490
About this home
Rare waterfront opportunity! Tucked away on a unique private road, this tranquil riverfront setting provides a peaceful escape from the everyday. Enjoy your morning coffee overlooking the water, spend evenings around the fire watching the river flow by, or relax among the multiple gardens. This cozy, updated home offers upper and lower patios, open-concept main-level living, and a versatile walkout lower level that can accommodate a recreation room, guest quarters, a home office, or a potential apartment-style rental. Large windows capture scenic river views and fill the home with natural light. Major improvements: plumbing, electrical, and heating systems (2017); A/C (2018); new roof (2020); new septic (2026). Best of all, no flood insurance is required. Additional features: detached 2-car garage near the home, a second detached garage/workshop (sold as-is), and a handy storage shed. Whether you need space for hobbies, storage, gardening, or outdoor recreation, this property offers endless possibilities. Conveniently located between Elkhart and Mishawaka. Waterfront living on 1.1 acres for under $325,000 is a rare find—don't miss this opportunity to make the river your backyard. House hack! Live in the upper space and rent the lower.
Monthly payment estimate
$2,051/mo
- Principal & interest
- $1,778
- Property taxes
- $178
- Homeowners insurance
- $95
- 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.
Get pre-approved
Know your real budget before you tour, and make a stronger offer. We'll connect you with a local lender.
Property details
Interior
- Levels
- One
- Total rooms
- 10
- Total area
- 1,732 sq ft
- Finished area above grade
- 866 sq ft
- Finished area below grade
- 866 sq ft
- Below grade total
- 866 sq ft
- Bedrooms above grade
- 2
- Bedrooms below grade
- 1
- Full baths, main level
- 1
- Full baths, below grade
- 1
- Basement
- Full, Walk-Out Basement, Finished, Outside Entrance
- Heating
- Gas, Forced Air
- Cooling
- Central Air
- Fireplace features
- Fire Pit
- Laundry
- Lower Level
- Interior features
- Breakfast Bar, Eat-in Kitchen, Open Floorplan, Kitchenette, Tub/Shower Combination
Exterior & parking
- Construction
- Aluminum Siding
- Roof
- Asphalt
- Foundation
- Block
- Garage spaces
- 3
- Attached garage
- No
- Garage type
- Detached
- Garage sq ft
- 440 sq ft
- Private pool
- No
- Other structures
- Outbuilding
- Other structures (2)
- Outbuilding
- Outbuilding 2
- 80 sq ft
- New construction
- No
Waterfront & lake
- Waterfront
- Yes
- Body of water
- St. Joe River Lower
- Water access
- Riverfront
- Water frontage
- 87 ft
- Water feature
- River
Lot
- Lot features
- Level, Part Wooded, Sloped, Waterfront, 0-2.9999, Waterfront-Medium Bank
- Lot size (acres)
- 1.1 ac
- Lot dimensions
- 95x504
- Location type
- City/Town/Suburb
- County
- Elkhart County
- Township
- Baugo
- Road frontage
- Private Road
- Road surface
- Dirt
- Platted
- Yes
- Planned unit development
- No
- Directions
- Head north on SR 19. Turn left on W Indiana Ave. Continue on CR 16. Turn right on River Heights.
Schools
- Elementary school
- Jimtown
- Middle school
- Jimtown
- High school
- Jimtown
- School district
- Baugo Community
HOA & community
- Association restrictions
- No
Taxes & terms
- Annual taxes
- $2,132
- Tax year
- 2026
- Listing terms
- Cash, Conventional, FHA, VA
- Possession
- TBA by PA
- Parcel number
- 20-05-11-204-013.000-001
Included in the sale
- Included in sale
- Dishwasher,Microwave,Refrigerator,Washer,Cooktop-Electric,Dryer-Electric,Oven-Electric,Sump Pump,Water Heater Electric,Window Treatment-Blinds
Utilities
- Water
- City
- Sewer
- Septic Tank
- Electric provider
- AEP/I&M
- Gas provider
- NIPSCO
Rooms
| Room | Level | Dimensions | Features |
|---|---|---|---|
| Living Room | Main | 12 × 12 ft | — |
| Family Room | Lower | 15 × 15 ft | — |
| Kitchen | Main | 18 × 12 ft | — |
| Bedroom 1 | Main | 11 × 11 ft | — |
| Bedroom 2 | Main | 11 × 8 ft | — |
| Bedroom 3 | Lower | 12 × 9 ft | — |
| Extra Room 1 | Main | 9 × 6 ft | Mudroom |
| Other Room | Main | 18 × 8 ft | Sunroom |
| Other Room 2 | Lower | 14 × 10 ft | Kitchenette |
| Laundry | Lower | 23 × 12 ft | — |
Location
Similar homes
$325,000
Listed Jul 1351043 Shady Lane
Elkhart, IN 46514
- 4 beds
- 3 baths
- 2,744 sq ft
Listing courtesy of Berkshire Hathaway HomeServices Goshen
$325,000
26229 Northland Crossing Drive
Elkhart, IN 46514-7306
- 3 beds
- 2 baths
- 1,371 sq ft
Listing courtesy of Howard Hanna SB Real Estate
$325,000
Listed Sep 1730416 Lantern Lane
Elkhart, IN 46514
- 3 beds
- 2 baths
- 1,622 sq ft
Listing courtesy of Keller Williams Realty Group
