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23121 Heaton Vis, Elkhart, IN, 46514

3beds
1baths
1,300sqft
$275,000
$212price/sqft
$1,871/moest. monthly cost
$74,840/yrincome needed

About This Home

Beautiful lake front home with dock and swimming bank. This house has a fenced in yard with large spacious deck for grilling. New anderson windows installed through out home. Drive way for 4 cars. Quiet neighborhood with waterpark and play areas. Washer and dryer available to stay in home. Brand new refrigerator and updated vinyl flooring finished.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

5/10
Osolo Elementary SchoolGrades PK-61.4 mi
2/10
North Side Middle SchoolGrades 7-81.1 mi
2/10
Elkhart High SchoolGrades 9-122.7 mi

Construction

Condition

  • Year built: 1975

Materials

  • Foundation: Crawl/Raised
  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin/Cottage

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Microwave,Range / Oven,Refrigerator,Washer
  • Laundry features: Main,Main Level

Basement

  • Basement: Crawl Space, Block

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1

Features

  • Bookcases
  • Flooring: Carpet,Linoleum / Vinyl
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced air,Electric
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,300 sqft

Property

Details

  • Parcel number: 200223279016000026
  • Exclusions: See Private Remarks

Features

  • Waterfront features: Lake,Lake Front,Ski Lake
  • Waterbody name: Heaton Lake
  • Frontage length: Water Frontage(50)

Lot

  • Lot size: 6,011 sqft
  • Features: Level,Lake

Parking

  • Total spaces: 3

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Hail
Lightning
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 $1,390$16,680
Home Insurance *$145$1,740
Property Taxes $152$1,824
Electricity $184$2,212
Total$1,871$22,452
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,148/yr
40% on housing$56,130/yr
45% on housing$49,893/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

$212This listing

vs Other Active Listings

Avg $/sqft

ZIP 46514$143
Elkhart County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 46514$134
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)

No zestimate history available

Price History

DateEventPrice
2026-07-28Listed for sale$275,000
2023-11-01Listing removed$244,900
2023-10-23Price change$244,900
2023-10-11Listed for sale$249,900
2023-09-24Listing removed--
2023-09-18Listed for sale$250,000
2021-03-12Sold$190,000
2021-02-05Contingent$187,500
2021-02-01Listed for sale$187,500
2020-10-13Sold$119,000
2020-09-17Listed for sale$119,000

For Sale by Owner

AgentProperty Owner

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