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54420 County Road 33, Middlebury, IN, 46540

6beds
7baths
12,367sqft
$4,999,900
$404price/sqft
$32,365/moest. monthly cost
$1,294,600/yrincome needed

About This Home

Set on over 38 private acres in Middleburry, this remarkable 2018 Fireside Homes estate offers more than 12,000 sq ft of thoughtfully designed living space, combining luxury, privacy, and exceptional craftsmanship. A gated entrance opens to a long drive filled with natural beauty and wildlife. Inside, the home showcases extensive custom hardwoods and cabinetry, along with a fully integrated smart home system that seamlessly manages lighting, security, and entertainment. At the heart of the home, the commercial-grade chef's kitchen stands out with its custom Italian design, premium Gaggenau appliances, multiple ovens, dual dishwashers, built-in espresso system, and an oversized hidden pantry for added function and storage. The main level study offers a refined workspace with rich cherry paneling, herringbone flooring, and a private reading loft accessed by a hidden spiral staircase, exclusively reachable from the study or the primary suite. The main floor primary suite is designed as a true retreat, featuring vaulted ceilings, a two-sided fireplace, private sitting area with deck, and a spa-like bath with heated flooring, walk-in shower, and a walk-in closet with ample storage. The lower level is built for entertaining, with a custom bar, temperature-controlled wine cellar and tasting room, and a spacious gathering area designed for watching sporting events or hosting guests. A dedicated movie theater with professional-grade acoustics, luxury seating, and high-end projection creates an immersive experience. Outdoor living is equally impressive, with multiple covered decks/patios and a fully equipped grilling area. A private spa retreat set within the woods features a sauna, cold plunge, and a wood-fired hot tub, creating a resort-like experience just steps from home. This is only a glimpse into the level of detail and design that truly defines this extraordinary estate. Schedule your private showing to fully experience everything this remarkable property has to offer!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

4/10
York Elementary SchoolGrades K-31.8 mi
8/10
Northridge Middle SchoolGrades 6-82.5 mi
6/10
Northridge High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 2018

Materials

  • Construction materials: Stone,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Range/Oven Hook Up Gas,Dishwasher,Microwave,Refrigerator,Washer,Gas Cooktop,Iron Filter-Well Water,Exhaust Fan,Oven-Built-In,Double Oven,Gas Range,Water Filtration System,Gas Water Heater
  • Laundry features: Gas Dryer Hookup,Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access,Finished,Concrete,Sump Pump

Bedroom1

  • Level: Main

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 7
  • Full bathrooms: 6
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Features

  • 1st Bdrm En Suite,Bar,Sound System,Bookcases,Built-in Desk,Ceiling-9+,Ceiling Fan(s),Vaulted Ceiling(s),Walk-In Closet(s),Countertops-Solid Surf,Crown Molding,Eat-in Kitchen,Entrance Foyer,Kitchen Island,Pantry,Steam Shower,Double Vanity,Wet Bar,Stand Up Shower,Main Level Bedroom Suite,Formal Dining Room,Great Room,Custom Cabinetry
  • Number of fireplaces: 2
  • Fireplace features: 1st Bdrm
  • Fireplace: Yes
  • Finished area below ground: 5,759
  • Finished area above ground: 6,608

Heating & Cooling

  • Heating features: Natural Gas,Forced Air,Multiple Heating Systems
  • Cooling features: Central Air,Multi Units

Interior Area

  • Total structure area: 13,026
  • Total interior livable area: 12,367 sqft

Property

Accessibility

  • Accessibility features: ADA Features

Details

  • Parcel number: 200432100030.000032
  • Other equipment: Home Theater,Generator-Whole House,Sump Pump

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Screened
  • Exterior features: Irrigation System,Workshop
  • Has spa: Yes
  • Spa features: Jet Tub

Lot

  • Lot size: 38.42 Acres
  • Features: Rolling Slope,15+,Wooded,Landscaped
  • Lot size dimensions: 2600x600

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Door Opener,Heated Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $25,282$303,384
Home Insurance *$2,238$26,856
Property Taxes $3,712$44,544
Electricity $1,133$13,604
Total$32,365$388,380
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,109,657/yr
40% on housing$970,950/yr
45% on housing$863,066/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

$404This listing

vs Other Active Listings

Avg $/sqft

ZIP 46540$138
Elkhart County$144

vs Homes Sold Last Month

Median $/sqft

ZIP 46540$148
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
2026-05-04Price change$4,999,900
2026-04-23Listed for sale$5,495,000

For Sale by Agent

AgentStephen C Smith, Irish Realty, Matthew Kruyer, Irish Realty
BrokerageIrish Realty

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