115 Lane 110b Big Otter Lk, Fremont, IN, 46737
About This Home
Beautiful ranch home on Big Otter Lake offering full access to the entire Lake James Chain—set on a level 1.11-acre lot with an impressive 114 feet of waterfront and beautiful lake views. Enjoy wide-open sunset views and a low-maintenance 80' aluminum deck pier system that can remain in year-round. The open-concept layout features a spacious living room, island kitchen, and dining area highlighted by a gas log fireplace, surround sound, breakfast bar, trey ceiling, newer carpet, and an oversized slider leading to the lakeside deck. A second access point brings you into the updated 4-season room, complete with newer windows, storm door, flooring, and light fixture. Both TVs—living room and 4-season room—are included. The primary suite offers newer windows, carpet, vinyl plank flooring in the bathroom, and a walk-in closet with organizer. Storage is abundant throughout the home, complemented by an oversized attached 2-car garage plus a 12×20 detached garage for additional lake gear or workshop space. Appliances and extras stay: all kitchen appliances, washer, dryer, pier system, water softener, window blinds, 4 Ring cameras, Ring doorbell, alarm system, and multi-room surround sound. You will pass through Cranston’s Reef to reach the property, but this home is not part of their association.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1994
Materials
- Roof: Shingle
- Construction materials: Brick,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Refrigerator,Washer,Built-In Gas Grill,Dryer-Gas,Gas Water Heater,Water Softener Owned
- Laundry features: Sink,Main Level
Basement
- Basement: Crawl Space
Bedroom1
- Level: Main
Bedroom2
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bedrooms: 3
Dining Room
- Level: Main
- Area: 220
Features
- 1st Bdrm En Suite,Breakfast Bar,Sound System,Bookcases,Built-in Desk,Tray Ceiling(s),Ceiling Fan(s),Walk-In Closet(s),Entrance Foyer,Kitchen Island,Open Floorplan
- Window features: Blinds
- Number of fireplaces: 1
- Fireplace features: Living Room,Gas Log
- Fireplace: Yes
- Attic: Pull Down Stairs
- Finished area below ground: 0
- Finished area above ground: 2,030
Heating & Cooling
- Heating features: Natural Gas,Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,030
- Total interior livable area: 2,030 sqft
Kitchen
- Level: Main
- Area: 169
Living Room
- Level: Main
- Area: 322
Property
Details
- Parcel number: 760326000017.020006
- Zoning description: Environmental Control
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Waterfront,Lake,Pier/Dock,Canal Front,Access to Ski Lake
- Waterbody name: Big Otter Lake
- Frontage length: Channel/Canal Frontage(114),Water Frontage(114)
Lot
- Lot size: 1.12 Acres
- Features: Level,Lake,Landscaped
- Lot size dimensions: 114x422x125x447
Parking
- Total spaces: 2
- Parking features: Attached,Garage Door Opener,Circular Driveway
- 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
- Strong Wind
- Tornado
- Cold Wave
- Hail
- Inland Flooding
- Lightning
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 | $3,130 | $37,560 |
| Home Insurance * | $317 | $3,804 |
| Property Taxes | $278 | $3,336 |
| Electricity | $186 | $2,233 |
| Total | $3,911 | $46,932 |
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 |
|---|---|---|
| 2026-07-06 | Price change | $619,000 |
| 2026-06-24 | Listed for sale | $640,000 |
| 2024-06-17 | Sold | $575,000 |
| 2024-06-07 | Pending sale | $590,000 |
| 2024-04-16 | Listed for sale | $590,000 |
| 2019-05-24 | Sold | $310,000 |
| 2019-03-29 | Listed for sale | $329,900 |
| 2019-01-01 | Listing removed | $349,000 |
| 2018-09-06 | Price change | $349,000 |
| 2018-07-10 | Price change | $364,900 |
| 2018-06-19 | Listed for sale | $359,000 |
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