120 840th Ln, Hamilton, IN, 46742
About This Home
Welcome to this beautifully updated 1-bedroom, 1-bath seasonal cottage located in the highly sought-after Cold Springs community. Move-in ready and being sold fully furnished, this charming getaway features a new 5-inch well, newer metal roof, updated 100-amp electrical service, and a freshly painted exterior. Whether you're looking for a weekend retreat, seasonal escape, or a place to create lasting family memories, this cottage is ready for its next owners to enjoy for years to come. Dock rentals are available, providing easy access to the all-sports lake, where boating, skiing, tubing, fishing, and endless days on the water await. Cold Springs is a private lakeside community known for its relaxed lifestyle and strong sense of community. Residents enjoy cruising by golf cart to the beach, parks, golf course, dance hall, restaurants, and local attractions. One of the area's greatest features is its golf-cart-friendly atmosphere. Everything you need is accessible by car, boat, or golf cart, including waterfront restaurants, parks, entertainment, and shopping. The historic Cold Springs Hotel is a local favorite, offering great food, live music, and a welcoming lakeside atmosphere. Experience the ultimate lake lifestyle where weekends feel like a vacation, neighbors become friends, and there's truly no reason to leave the lake. Just arrive, relax, and start making memories.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1927
Materials
- Roof: Metal
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Microwave,Refrigerator
Basement
- Basement: Crawl Space,Exterior Entry
Bedroom1
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
- Main level bedrooms: 1
Dining Room
- Level: Main
- Area: 135
Features
- Fireplace features: None
- Finished area below ground: 0
- Finished area above ground: 712
Heating & Cooling
- Heating features: Wall Furnace
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 712
- Total interior livable area: 712 sqft
Kitchen
- Level: Main
- Area: 45
Living Room
- Level: Main
- Area: 190
Property
Details
- Parcel number: 761027000029.880009
Features
- Levels: One
- Stories: 1
- Fencing: None
- Waterfront features: Pier/Dock Available
Lot
- Lot size: 1,698 sqft
- Features: Sloped
- Lot size dimensions: 29x63
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
- Drought
- Hail
- Inland Flooding
- Lightning
- Winter Weather
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 | $682 | $8,184 |
| Home Insurance * | $44 | $528 |
| Property Taxes | $60 | $720 |
| Electricity | $184 | $2,212 |
| Total | $970 | $11,640 |
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 |
|---|---|---|
| 2026-06-05 | Listed for sale | $134,900 |
View on Zillow