10281 County Road 4, Middlebury, IN, 46540
About This Home
Peace is all you will think of at this home. Nestled on 1 acre in the desirable Middlebury area, this 3-bedroom, 1-bath retreat offers a perfect blend of comfort, privacy, and potential. Just seconds from Stone Lake, the property is currently a successful Airbnb and a proven income-producing opportunity. It is ideal as a full-time residence, weekend getaway, or investment. Inside, the layout includes a unique catwalk connecting the upstairs bedrooms, offering an open view that overlooks the living room below and adds character to the space. The property also features a brand-new well. Unwind on the covered porch, enjoy cozy evenings around the fire pit, and take advantage of the attached garage. Surrounded by nature in a peaceful, quiet setting, yet still close to all that Middlebury has to offer. This home is a rare find.
Getting Around
Car-Dependent
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1976
Materials
- Roof: Metal
- Construction materials: Brick,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cape Cod,Cabin/Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Range/Oven Hook Up Elec,Refrigerator,Washer,Dryer-Electric,Electric Oven,Electric Range,Electric Water Heater
- Laundry features: Electric Dryer Hookup,Main Level
Basement
- Basement: Crawl Space
Bedroom1
- Level: Main
Bedroom2
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
- Main level bedrooms: 1
Dining Room
- Level: Main
- Area: 156
Features
- Flooring: Carpet,Tile
- Finished area below ground: 0
- Finished area above ground: 1,990
Heating & Cooling
- Heating features: Natural Gas,Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,990
- Total interior livable area: 1,990 sqft
Kitchen
- Level: Main
- Area: 156
Living Room
- Level: Main
- Area: 364
Property
Details
- Parcel number: 200413451005.000032
Features
- Levels: One
- Stories: 1
- Patio & porch: Patio,Porch Covered
- Exterior features: Fire Pit
Lot
- Lot size: 1 Acres
- Features: Few Trees,0-2.9999
- Lot size dimensions: 462x182
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
- 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 | $1,895 | $22,740 |
| Home Insurance * | $167 | $2,004 |
| Property Taxes | $424 | $5,088 |
| Electricity | $184 | $2,212 |
| Total | $2,670 | $32,040 |
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 |
|---|---|---|
| 2026-07-17 | Price change | $374,900 |
| 2026-07-02 | Price change | $379,900 |
| 2026-06-11 | Price change | $384,500 |
| 2026-05-30 | Price change | $389,000 |
| 2026-05-18 | Listed for sale | $395,000 |
| 2025-12-16 | Listing removed | $395,000 |
| 2025-08-29 | Price change | $395,000 |
| 2025-08-04 | Listed for sale | $400,000 |
| 2021-02-26 | Listing removed | -- |
| 2020-04-06 | Listing removed | $1,275 |
| 2020-04-02 | Listed for rent | $1,275 |
| 2019-06-21 | Listing removed | $1,275 |
| 2019-06-20 | Price change | $1,275 |
| 2019-05-15 | Listed for rent | $1,350 |
| 2018-08-12 | Listing removed | $1,250 |
| 2018-07-27 | Listed for rent | $1,250 |
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