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13061 Waterleaf Dr, Saint John, IN, 46373

4beds
3baths
2,364sqft
$858,990
$363price/sqft
$6,066/moest. monthly cost
$242,640/yrincome needed

About This Home

New construction underway in The Preserve of St. John, with completion anticipated July 2026. Introducing The Elmstead ranch-style, which offers over 2,300 square feet of thoughtfully designed main-level living with 4 bedrooms and 2.5 baths, blending open-concept comfort with timeless style. The expansive great room flows effortlessly into the gourmet kitchen and dining area, featuring a large center island, 42" cabinetry, stainless steel appliances, tile backsplash, quartz countertops, and engineered hardwood throughout. The private primary suite includes a spacious walk-in closet and a beautifully appointed en-suite bath with a custom tile shower. Three additional bedrooms provide flexible space for guests, a home office, or hobby room. Quality craftsmanship and energy-efficient features are found throughout, including a 3- car garage, full sod and professional landscape package with in-ground sprinkler system, Carrier 96-high efficiency furnace with 14 SEER HVAC, programmable thermostat, and water softener/RO system. The full basement offers expansive additional living space, includes a future full bath rough-in, and may be finished at an additional cost to suit your needs. The Elmstead Model also offers a fireplace on the rear porch. Buyers still have the opportunity to make custom interior selections and personalize finishes, creating a home that truly reflects their style. Don't miss the chance to secure this exceptional new construction home in one of St. John's premier communities.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

9/10
5/10
Kahler Middle SchoolGrades 5-83.9 mi
9/10
Lake Central High SchoolGrades 9-122.1 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Stainless Steel Appliance(s),Range Hood,Microwave,Gas Cooktop
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Daylight,Unfinished,Full

Bedroom2

  • Area: 169.92
  • Dimensions: 14.4 x 11.8

Bedroom3

  • Area: 118.45
  • Dimensions: 10.3 x 11.5

Bedroom4

  • Area: 136.8
  • Dimensions: 12.0 x 11.4

Bedrooms & Bathrooms

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

Features

  • Double Vanity,Walk-In Closet(s),Stone Counters,Pantry,Open Floorplan,Kitchen Island,Entrance Foyer
  • Number of fireplaces: 1
  • Fireplace features: Gas,Other
  • Fireplace: Yes
  • Finished area above ground: 2,364

Foyer

  • Area: 30
  • Dimensions: 6.0 x 5.0

Heating

  • Heating features: ENERGY STAR Qualified Equipment,Natural Gas,Forced Air

Interior Area

  • Total structure area: 2,364
  • Total interior livable area: 2,364 sqft

Kitchen

  • Area: 158.4
  • Dimensions: 11.0 x 14.4

Laundry

  • Area: 42
  • Dimensions: 7.0 x 6.0

Living Room

  • Area: 307.8
  • Dimensions: 18.0 x 17.1

Other

  • Area: 168
  • Dimensions: 12.0 x 14.0

Pantry

  • Area: 23.01
  • Dimensions: 4.11 x 5.6

Primary Bedroom

  • Area: 292.02
  • Dimensions: 18.6 x 15.7

Property

Details

  • Parcel number: 451131477006000035
  • Special condition: None

Features

  • Levels: One
  • Patio & porch: Covered,Other,Front Porch,Deck
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 0.29 Acres
  • Features: Back Yard,Sprinklers In Rear,Sprinklers In Front,Front Yard

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Faces Front,Driveway,Concrete,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding
Lightning
Strong Wind
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 $4,343$52,116
Home Insurance *$254$3,048
Property Taxes $1,253$15,036
Electricity $216$2,600
Total$6,066$72,792
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$207,977/yr
40% on housing$181,980/yr
45% on housing$161,760/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

$363This listing

vs Other Active Listings

Avg $/sqft

ZIP 46373$214
Lake County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 46373$193
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
2026-02-26Listed for sale$869,900
2025-09-30Sold$118,000
2025-07-18Pending sale$119,900
2025-06-18Listed for sale$119,900

New Construction

AgentJana Caudill
BrokerageeXp Realty, LLC

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