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29983 County Road 108, Elkhart, IN, 46514

4beds
3baths
2,280sqft
$459,000
$201price/sqft
$3,135/moest. monthly cost
$125,400/yrincome needed

About This Home

** OPEN HOUSE Saturday 8/22/26 from 1-4 ** Beautiful 4-bedroom, 3-full-bath home on 2 lush acres, conveniently located near Mishawaka on the edge of Elkhart. This spacious home offers 2,000+ sq ft with a split floor plan and dual living areas, creating a comfortable layout with plenty of room to spread out. The kitchen is truly the heart of the home, featuring abundant counter space and an oversized island perfect for hosting and baking. Outside you will find a lush garden and private back patio that feels like your own peaceful retreat. Enjoy the changing seasons from the enclosed porch, plus a partially fenced backyard and impressive pole barn with 16' ceilings and a 14' overhead door. A wonderful blend of space, privacy, convenience, and country charm!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

4/10
5/10
West Side Middle SchoolGrades 7-82.2 mi
2/10
Elkhart High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 2015

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Washer,Dryer-Electric,Freezer,Oven-Built-In,Gas Range,Water Filtration System,Water Softener Owned
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 4

Family Room

  • Level: Main
  • Area: 238

Features

  • Bookcases,Main Level Bedroom Suite
  • Window features: Blinds
  • Finished area below ground: 0
  • Finished area above ground: 2,280

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,280
  • Total interior livable area: 2,280 sqft

Living Room

  • Level: Main
  • Area: 169

Office

  • Level: Main
  • Area: 100

Property

Details

  • Parcel number: 200135152012.000005

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Enclosed
  • Exterior features: Irrigation System,Play/Swing Set
  • Has spa: Yes
  • Spa features: Jet/Garden Tub

Lot

  • Lot size: 2.03 Acres
  • Features: Level,Few Trees,0-2.9999,Landscaped
  • Lot size dimensions: 4800x1830

Parking

  • Total spaces: 2
  • Parking features: Attached,Dirt,Gravel
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Hail
Inland Flooding
Lightning
Winter Weather

FEMA Declared Disasters Across Indiana Counties

Flood
Snowstorm

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

MonthlyAnnual
Mortgage $2,320$27,840
Home Insurance *$242$2,904
Property Taxes $364$4,368
Electricity $209$2,508
Total$3,135$37,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,485/yr
40% on housing$94,050/yr
45% on housing$83,600/yr

Indiana FAIR Plan Programs

Indiana Basic Property Insurance Underwriting Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 810Commercial: 30
Total Premiums$1.77M
Total Exposure$1.82M

How 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.

Insurance Growth Rate5-year average: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 4.6%
4.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$201This listing

vs Other Active Listings

Avg $/sqft

ZIP 46514$142
Elkhart County$144

vs Homes Sold Last Month

Median $/sqft

ZIP 46514$134
Elkhart County$136

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

DateEventPrice
2026-08-11Price change$415,000
2026-07-28Price change$459,000
2026-07-16Listed for sale$474,000

For Sale by Agent

AgentMegan Shultz
BrokerageCentury 21 Circle

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