3845 Valley View Dr, Mount Vernon, IN, 47620
About This Home
Spacious 5-Bedroom Lakefront Home on a Quiet Cul-de-Sac! This beautifully maintained 5-bedroom, 3-full-bath home features a spacious layout in a desirable neighborhood. Set on a picturesque lot with direct water access and a private dock, the property combines privacy, space, and scenic views. The main level features a first-floor primary suite, an updated kitchen with a large island, a dramatic great room with vaulted wood ceilings, and a floor-to-ceiling stone fireplace. The covered deck extends the living space outdoors and provides a relaxing setting with beautiful lake views. The finished walk-out lower level provides flexible living space for a recreation room, home office, gym, or guest suite with direct access to the backyard and lake. An oversized 2-car garage provides ample space for vehicles and storage.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1992
Materials
- Foundation: Block
- Construction materials: Brick,Stone
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch,Traditional
- Property subType: Residential,Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Gas Oven,Refrigerator
Basement
- Has basement: Yes
- Basement: Finished,Walk-Out Access
Bedroom2
- Level: Main
- Area: 103.79
- Dimensions: 10.7x9.7
Bedroom3
- Level: Main
- Area: 200.83
- Dimensions: 13.3x15.1
Bedroom4
- Level: Basement
- Area: 143
- Dimensions: 14.3x10
Bedroom5
- Level: Basement
- Area: 210.25
- Dimensions: 14.5x14.5
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 2
- Main level bedrooms: 3
Features
- Kitchen Island,Walk-In Closet(s)
- Number of fireplaces: 2
- Fireplace features: Great Room,Masonry
- Fireplace: Yes
- Finished area below ground: 1,925
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 3,700
- Total interior livable area: 3,700 sqft
Kitchen
- Features: Tile-Ceramic
- Level: Main
- Area: 460
- Dimensions: 20x23
Laundry
- Features: Tile-Ceramic
- Level: Main
- Area: 78
- Dimensions: 13x6
Living Room
- Level: Main
- Area: 292.5
- Dimensions: 19.5x15
Master Bedroom
- Level: Main
- Area: 248
- Dimensions: 16x15.5
Utility Room
- Features: Other
- Level: Basement
- Area: 494.5
- Dimensions: 21.5x23
Property
Details
- Parcel number: 651222410004000017
- Special condition: As Is
- Horse amenities: None
Features
- Levels: One
- Stories: 1
- Exterior features: Balcony,Gutter Guards,Lighting
Lot
- Lot size: 1.16 Acres
Parking
- Total spaces: 2
- Parking features: Attached,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Strong Wind
- Winter Weather
- Cold Wave
- Drought
- Earthquake
- Hail
- Heat Wave
- Inland Flooding
- Ice Storm
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters Across Indiana Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,604 | $31,248 |
| Home Insurance * | $375 | $4,500 |
| Property Taxes | $379 | $4,548 |
| Electricity | $339 | $4,070 |
| Total | $3,697 | $44,364 |
Income You'd Need if You Spent...
Indiana FAIR Plan Programs
Indiana Basic Property Insurance Underwriting Association
WildfireHailWindHow Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-14 | Listed for sale | $515,000 |
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