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10039 County Road 4 #17, Middlebury, IN, 46540

2beds
1baths
832sqft
$59,900
$72price/sqft
$552/moest. monthly cost
$22,080/yrincome needed

About This Home

Discover affordable new home living at Tall Oaks #17, a charming 2-bedroom, 1-bath manufactured home featuring 832 square feet of modern comfort. Located in the peaceful Tall Oaks Manufactured Home Community off County Road 4 near scenic Stone Lake, this cozy home is perfect for anyone looking for low-maintenance living in a friendly neighborhood. This brand-new home offers a bright, open-concept design that maximizes every inch of space. The kitchen includes stainless steel appliances and stylish finishes, while the energy-efficient construction helps keep monthly costs low. Whether you're downsizing, buying your first home, or simply seeking simplicity and comfort, this home delivers exceptional value. Site rent is $515 per month. Water, sewer, and trash are billed by the community; electric and gas are paid directly to NIPSCO. This home is for purchase only and we partner with trusted lenders to make homeownership easy and affordable. At just $59,900, this cozy new home won't last long - schedule your showing today and make Tall Oaks #17 your new address!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

4/10
York Elementary SchoolGrades K-33.7 mi
8/10
Northridge Middle SchoolGrades 6-85.9 mi
6/10
Northridge High SchoolGrades 9-126.3 mi

Construction

Condition

  • Year built: 2026

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Refrigerator,Microwave,Oven,Water Heater,Stainless Steel Appliances

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Carpet,Linoleum
  • Finished area above ground: 832

Heating & Cooling

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

Interior Area

  • Total structure area: 832
  • Total interior livable area: 832 sqft

Kitchen

  • Features: Open,Laminate Counters

Property

Details

  • On leased land: Yes
  • Lease amount: 515

Features

  • Stories: 1
  • Patio & porch: Patio,Deck
  • Has view: Yes
  • View description: Street

Lot

  • Features: Corner,Trees

Parking

  • Parking features: Driveway
  • 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
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado
Inland Flooding
Lightning
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 $302$3,624
Home Insurance *$26$312
Property Taxes $40$480
Electricity $184$2,212
Total$552$6,624
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$18,925/yr
40% on housing$16,560/yr
45% on housing$14,720/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

$72This listing

vs Other Active Listings

Avg $/sqft

ZIP 46540$156
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
2026-07-31Listed for sale$59,900

For Sale by Agent

AgentFrank Sheppard
BrokerageThrive Communities, LLC

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