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54895 Moonfish Ct, Middlebury, IN, 46540

4beds
3baths
1,908sqft
$349,000
$183price/sqft
$2,342/moest. monthly cost
$93,680/yrincome needed

About This Home

Here's your chance to enjoy country living in Middlebury while still being in a desirable neighborhood! Situated on over half an acre, this beautifully maintained home offers the perfect blend of peaceful surroundings and modern convenience. From the moment you arrive, you'll appreciate the manicured lawn, welcoming covered front porch, basketball hoop, and the abundance of wildlife—including deer, bunnies, and birds—all while being just minutes from the charm of Amish Country. Step inside to an open-concept floor plan featuring fresh paint throughout, a spacious living area, and a kitchen designed for gathering with a center island, eat-in dining area, and main-level laundry complete with a utility sink. Upstairs, the primary suite offers a private bathroom and walk-in closet, along with two additional generously sized bedrooms and a second full bathroom. Don't overlook the partially finished basement, offering additional living space plus a fourth bedroom currently being used as a home office. One of the unfinished storage rooms is already pre-plumbed for an additional bathroom, providing an excellent opportunity to expand the home's living space and add future value. Step outside to the back patio overlooking the expansive backyard that rears up to Corson Riverwoods County Park. The backyard space is the perfect spot to relax, entertain, or simply enjoy the peaceful country setting. Built in 2021, this home is better than new, with thoughtful upgrades already completed, including a water softener, reverse osmosis R/O water system, new sump pump, and updated light fixtures. If you've been searching for a home that offers space, comfort, and the beauty of the countryside without sacrificing convenience, this is the one. Schedule your private showing today before this opportunity is gone!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

6/10
8/10
Northridge Middle SchoolGrades 6-81.9 mi
6/10
Northridge High SchoolGrades 9-122.2 mi

Construction

Condition

  • Year built: 2021

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range/Oven Hook Up Gas,Dishwasher,Microwave,Refrigerator,Gas Oven,Gas Range,Gas Water Heater,Water Softener Owned
  • Laundry features: Gas Dryer Hookup,Sink,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished,Concrete

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 108

Features

  • Walk-In Closet(s),Laminate Counters,Eat-in Kitchen,Entrance Foyer,Kitchen Island,Open Floorplan,Tub/Shower Combination
  • Flooring: Carpet,Laminate,Vinyl
  • Fireplace features: None
  • Finished area below ground: 300
  • Finished area above ground: 1,608

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,208
  • Total interior livable area: 1,908 sqft

Kitchen

  • Level: Main
  • Area: 108

Living Room

  • Level: Main
  • Area: 234

Property

Details

  • Parcel number: 200434351009.000032

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio,Porch Covered
  • Exterior features: Basketball Goal
  • Fencing: None

Lot

  • Lot size: 0.55 Acres
  • Features: Level,0-2.9999,Rural Subdivision,Landscaped
  • Lot size dimensions: 110 x 216

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,Concrete
  • 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

  • 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 $1,764$21,168
Home Insurance *$156$1,872
Property Taxes $238$2,856
Electricity $184$2,212
Total$2,342$28,104
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,297/yr
40% on housing$70,260/yr
45% on housing$62,453/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

$183This listing

vs Other Active Listings

Avg $/sqft

ZIP 46540$149
Elkhart County$145

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)

Price History

DateEventPrice
2026-08-06Listed for sale$349,000

For Sale by Agent

AgentVanessa Ritsema
BrokerageMcKinnies Realty, LLC

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