20957 River Brook Ln, Bristol, IN, 46507
About This Home
Renovated Mid-Century Beauty on the Upper St. Joe. Riverfront Living at its Best! Enjoy 180' of River frontage on 1.6 Pristine Wooded Acres. Privately nestled on a Quiet Dead-End Street in a Peaceful, Park-Like Setting. Kayak to your own Private River Shoreline right from the Floating Pier and Kayak Launch. This Impressive 4- Bedroom, 2.5-Bath Home offers over 3,000 Finished Sq. Ft. and an Exceptional Blend of Comfort, Style, and Outdoor Living. Renovations and Updates completed in 2024-2026 include new Engineered Hardwood Floors throughout the main floor, Custom Built-in Bookshelves in the Library/Bedroom with French Doors, Quartz Countertops in the Kitchen, Master Bath and Half Bath; new Bath Fixtures, new Kitchen Sink, Fixtures and Garbage Disposal, Gourmet Gas Cooktop & Hood, Carpet in the lower level, Shower/Tub in lower-level Bath, Washer and Dryer, Aluminum Fence fully-enclosed Backyard, fresh Landscaping, Kayak Pier, and fresh Paint and Stain on the main and lower levels. Experience amazing River Views from the main level Living Room and Library, spacious Dining Area with Pass-Through Counter to Kitchen, and relax next to the Gas Fireplaces on both the main and lower levels. Enjoy the Living Room with Vaulted Wood Ceiling, a large Primary En-Suite offering gorgeous Nature Views, and convenient Main Floor Laundry. Abundant Storage throughout the home. Step outside the main level and enjoy the Large Deck with Expansive Views of the River and Private Woods. The Finished Walk-Out Lower Level includes 2 additional Bedrooms, Office, and Full Bath. Enjoy the lower-level access to the Back Patio with Private Landscape Walk and Wood Hammock (included), perfect for entertaining, relaxing, kayaking alongside Swans and Sand Hill Cranes! The Kayak Pier is Included and can be kept in the water Year-Round. Fully Irrigated front and back yards. Additional Updates Include new Roof in 2020 and new Windows in 2023. Welcome Home to the Upper St. Joe - Where the River meets Nature, Privacy meets Comfort, and Everyday Living feels like a Resort Getaway!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1985
Materials
- Roof: Asphalt
- Construction materials: Brick,Wood Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Refrigerator,Gas Cooktop,Dryer-Gas,Gas Oven,Gas Water Heater,Water Softener Owned
- Laundry features: Gas Dryer Hookup,Main Level
Basement
- Has basement: Yes
- Basement: Walk-Out Access,Partially Finished,Concrete,Sump Pump
Bedroom1
- Level: Main
Bedroom2
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bedrooms: 2
Dining Room
- Level: Main
- Area: 140
Family Room
- Level: Lower
- Area: 312
Features
- Bookcases,Vaulted Ceiling(s),Stone Counters,Entrance Foyer,Open Floorplan,Double Vanity,Main Level Bedroom Suite,Great Room,Custom Cabinetry
- Window features: Window Treatments
- Flooring: Hardwood,Carpet,Tile
- Number of fireplaces: 2
- Fireplace features: Family Room,Living Room
- Fireplace: Yes
- Finished area below ground: 975
- Finished area above ground: 2,073
Heating & Cooling
- Heating features: Natural Gas,Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 3,498
- Total interior livable area: 3,048 sqft
Kitchen
- Level: Main
- Area: 169
Living Room
- Level: Main
- Area: 644
Property
Details
- Parcel number: 200331230002.000030
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck
- Exterior features: Irrigation System
- Fencing: Full,Metal
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Waterfront,Deck on Waterfront,River Front,River
- Waterbody name: St. Joe River Upper
- Frontage length: Water Frontage(180)
Lot
- Lot size: 1.60 Acres
- Features: Level,Few Trees
Parking
- Total spaces: 2
- Parking features: Attached,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
- Hail
- Strong Wind
- Tornado
- Inland Flooding
- 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 | $3,109 | $37,308 |
| Home Insurance * | $306 | $3,672 |
| Property Taxes | $346 | $4,152 |
| Electricity | $279 | $3,352 |
| Total | $4,040 | $48,480 |
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 |
|---|---|---|
| 2026-08-02 | Listed for sale | $615,000 |
| 2023-11-09 | Sold | $450,000 |
| 2023-11-06 | Pending sale | $478,000 |
| 2023-08-25 | Listed for sale | $478,000 |
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