Listing courtesy of Century 21 Bradley-Lake Group · Listing agent: Lindsay Walker-Moore · Cell: 260-243-6649

Virtual tour
ActiveSite-Built Home

840 Lane 120

$129,900

$182.44 / sq ft

Est. $809/mo

Hamilton, IN 46742Cold Springs Cottage Park

Original price $134,900 · Price reduced on August 20, 2026

Bedrooms
1
Bathrooms
1
Living area
712 sq ft
Lot
0.04 ac
Year built
1927
Type
Site-Built Home
Listed
June 4, 2026
MLS #
202621702

About this home

Welcome to this beautifully updated 1-bedroom, 1-bath summer cottage located in the highly sought-after Cold Springs community. Move-in ready and being sold fully furnished, this charming getaway features a new 5-inch well, newer metal roof, updated 100-amp electrical service, and a freshly painted exterior. Whether you're looking for a weekend retreat, seasonal escape, or a place to create lasting family memories, this cottage is ready for its next owners to enjoy for years to come. Dock rentals are available, providing easy access to the all-sports lake, where boating, skiing, tubing, fishing, and endless days on the water await. Cold Springs is a private lakeside community known for its relaxed lifestyle and strong sense of community. Residents enjoy cruising by golf cart to the beach, parks, golf course, dance hall, restaurants, and local attractions. One of the area's greatest features is its golf-cart-friendly atmosphere. Everything you need is accessible by car, boat, or golf cart, including waterfront restaurants, parks, entertainment, and shopping. The historic Cold Springs Hotel is a local favorite, offering great food, live music, and a welcoming lakeside atmosphere. Experience the ultimate lake lifestyle where weekends feel like a vacation, neighbors become friends, and there's truly no reason to leave the lake. Just arrive, relax, and start making memories.

Monthly payment estimate

$809/mo

Principal & interest
$711
Property taxes
$60
Homeowners insurance
$38
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.
Change taxes, insurance and more in the full calculator

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Property details

Interior

Levels
One
Total rooms
2
Total area
712 sq ft
Finished area above grade
712 sq ft
Bedrooms above grade
1
Full baths, main level
1
Basement
Crawl Space, Outside Entrance
Heating
Wall Heater
Cooling
Window Unit(s)

Exterior & parking

Construction
Wood Siding
Roof
Metal
Private pool
No
New construction
No

Waterfront & lake

Waterfront
No
Waterfront features
Pier/Dock Available

Lot

Subdivision
Cold Springs Cottage Park
Lot features
Sloped
Lot size (acres)
0.04 ac
Lot dimensions
29x63
County
Steuben County
Township
Otsego
Platted
Yes
Planned unit development
No
Directions
North through the Hamilton 4-way stop, left into Cold Springs, first left, straight till you arrive.

Schools

Elementary school
Hamilton
Middle school
Hamilton
High school
Hamilton
School district
Hamilton Community

HOA & community

Community amenities
Golf Course
Other fees
$1,890
Other fees frequency
Annually
Other fees description
Land Lease

Taxes & terms

Annual taxes
$714
Tax year
2025
Possession
day of closing
Parcel number
76-10-27-000-029.880-009

Included in the sale

Included in sale
Microwave,Refrigerator

Utilities

Water
Well
Well
Private
Sewer
Public Sewer

Location

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$129,900

1 bed · 1 bath