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51044 Spotted Eagle Dr, Elkhart, IN, 46514

5beds
4baths
3,978sqft
$825,000
$207price/sqft
$5,534/moest. monthly cost
$221,360/yrincome needed

About This Home

Welcome to this beautifully crafted two-story home with high-end features. At the heart of the home is a stunning kitchen featuring live-edge concrete countertops. The main floor showcases rich maple hardwood flooring, with select areas thoughtfully covered in waterproof laminate for added protection and durability. Throughout the home, you'll find beautiful custom antique lighting. Other nice features include a Kinetico water softener and on-demand water heater.The finished walk-out basement is a showstopper on its own—offering a full kitchen, two bedrooms, a private laundry room, living room, full bath, 3 storage rooms, and its own entrance. Whether used as a rental for additional income, a guest suite, or multigenerational living space, the possibilities are endless.Outside, car enthusiasts and hobbyists will love the massive 4-car detached garage equipped with hot/cold water and 220-amp electric service. Need more space? The impressive 26x40 pole barn—with its own 220-amp service and lift-accessible upper storage—is perfect for equipment, vehicles, or a workshop. You'll also enjoy a fenced yard with private swim spa, sprinkler system, shed, and whole home generator. This home delivers comfort, functionality, and luxurious touches throughout—offering an opportunity to own a truly versatile property that feels like a private retreat. Schedule your private tour today!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

5/10
Osolo Elementary SchoolGrades PK-62.0 mi
2/10
North Side Middle SchoolGrades 7-84.1 mi
2/10
Elkhart High SchoolGrades 9-125.6 mi

Construction

Condition

  • Year built: 2016

Materials

  • Roof: Metal
  • Construction materials: Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Washer,Dryer-Electric,Dryer-Gas,Electric Oven,Gas Oven,Electric Range,Gas Range,Tankless Water Heater,Water Softener Owned
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access,Finished,Exterior Entry

Bedroom1

  • Level: Main

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Walk-In Closet(s),Countertops-Concrete,Main Level Bedroom Suite
  • Window features: Blinds
  • Flooring: Hardwood,Carpet,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Gas Log
  • Fireplace: Yes
  • Finished area below ground: 1,179
  • Finished area above ground: 2,799

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,867
  • Total interior livable area: 3,978 sqft

Kitchen

  • Level: Main
  • Area: 225

Living Room

  • Level: Main
  • Area: 651

Property

Details

  • Parcel number: 200215201015.000026

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.92 Acres
  • Features: 0-2.9999
  • Lot size dimensions: 225 x 174

Parking

  • Total spaces: 4
  • Parking features: Detached,Concrete
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • 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
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado
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 $4,171$50,052
Home Insurance *$436$5,232
Property Taxes $563$6,756
Electricity $364$4,375
Total$5,534$66,408
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$189,737/yr
40% on housing$166,020/yr
45% on housing$147,573/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

$207This 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)

No zestimate history available

Price History

DateEventPrice
2026-03-27Price change$849,000
2025-12-31Price change$875,000
2025-11-13Price change$879,000
2025-06-24Listed for sale$899,000

For Sale by Agent

AgentCheryl Heffernan
BrokerageBerkshire Hathaway HomeServices Goshen

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