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13244 E Lake Shore Dr #B-202, Cedar Lake, IN, 46303

3beds
2baths
2,000sqft
$555,000
$278price/sqft
$3,725/moest. monthly cost
$149,000/yrincome needed

About This Home

LAKEFRONT LIVING AT ITS BEST...This GATED pet friendly 2000 sq/ft 3 bdrm / 2 bath open concept condo with an attached coated garage & ELEVATOR is located 40 minutes from Chicago positioned on an 800 acre ALL SPORTS LAKE...It is a MAINTENANCE FREE condo that comes with a GARAGE, PIER, HEATED INGROUND POOL, WORK OUT ROOM, BOAT SLIP, JET SKI & PADDLE BOARD AREA, and a SANDY BEACH...The HOA takes care of the snow, grass, pier, well, water system, cable, landscape, garbage, parking lot, and building exterior...condo features large open kitchen with island, granite tops, all oversized custom cabinets with pull out shelves, STAINLESS fridge, stove, dishwasher, microwave and washer & dryer are INCLUDED...10 X 10 covered balcony with breathtaking sunsets...master ensuite offers double sinks, walk-in shower, a whirlpool tub and a large walk-in closet...Recent upgrades in 2024 & 2025 include: refrigerator, furnace, garbage disposal, microwave...Other recent updates include: added rust remover tank, hot water heater, coated garage floor, stacked washer & dryer, added laundry tub with cabinet, new glass shower door, tall pantry cabinet added, pull out shelves in all cabinets, new faucet, high end insulated blinds over 3 windows (the big one for the lake view is remote controlled), added new lighting in laundry room, dining room, hallway bath & master bath...Less than 1 mile to 400 acre Lemon Lake County park...close to shopping and dining...Crown Point schools...some furniture is negotiable.

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

10/10
Crown Point High SchoolGrades 9-123.3 mi

Construction

Condition

  • Year built: 2006

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dryer,Washer,Range Hood,Refrigerator,Microwave,Gas Water Heater,Electric Range,Dishwasher,Disposal
  • Laundry features: Laundry Room,Main Level

Bedroom2

  • Area: 156
  • Dimensions: 13.0 x 12.0

Bedroom3

  • Area: 144
  • Dimensions: 12.0 x 12.0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Dining Room

  • Area: 176
  • Dimensions: 16.0 x 11.0

Features

  • Ceiling Fan(s),Walk-In Closet(s),Pantry,Kitchen Island,Granite Counters,Eat-in Kitchen
  • Finished area above ground: 2,000

Heating

  • Heating features: Natural Gas,Forced Air

Interior Area

  • Total structure area: 2,000
  • Total interior livable area: 2,000 sqft

Kitchen

  • Area: 165
  • Dimensions: 15.0 x 11.0

Laundry

  • Area: 80
  • Dimensions: 10.0 x 8.0

Living Room

  • Area: 345
  • Dimensions: 23.0 x 15.0

Primary Bedroom

  • Area: 204
  • Dimensions: 17.0 x 12.0

Property

Details

  • Parcel number: 451523379010000043
  • Attached to another structure: Yes
  • Special condition: None

Features

  • Levels: Other
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Beach Access,Lake Privileges,Lake Front

Lot

  • Features: Other

Parking

  • Total spaces: 1
  • Parking features: Attached,Additional Parking,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters Across Indiana Counties

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tornado

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 $2,806$33,672
Home Insurance *$238$2,856
Property Taxes $497$5,964
Electricity $184$2,212
Total$3,725$44,700
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$127,714/yr
40% on housing$111,750/yr
45% on housing$99,333/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$278This listing

vs Other Active Listings

Avg $/sqft

ZIP 46303$183
Lake County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 46303$168
Lake County$150

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
2026-05-11Price change$579,900
2026-03-20Listed for sale$585,000
2019-04-01Sold$285,000
2019-02-01Listed for sale$292,000
2013-08-16Sold$255,900
2012-04-06Sold$250,000

For Sale by Agent

AgentDavid Harkabus
BrokerageBHHS Executive Realty

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