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10416 State Road 120, Middlebury, IN, 46540

4beds
3baths
2,571sqft
$637,500
$248price/sqft
$4,175/moest. monthly cost
$167,000/yrincome needed

About This Home

**Lakefront on 3.67 Acres – Hunter Lake!** One-owner home in popular Middlebury schools. 4 bed, 2.5 bath with wood-burning fireplace in the family room. Appliances just 2 years old. Unfinished walk-out basement is a blank slate. Enjoy lake views from the private backyard, 12x20 porch, and screened lakeside gazebo. 24x30 barn with horse stalls. Lakefront + acreage + top schools — a rare find!

View Virtual Tour

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

4/10
York Elementary SchoolGrades K-33.2 mi
8/10
Northridge Middle SchoolGrades 6-84.8 mi
6/10
Northridge High SchoolGrades 9-125.2 mi

Construction

Condition

  • Year built: 1986

Materials

  • Construction materials: Cedar

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Washer,Dryer-Electric,Electric Range,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access,Unfinished,Concrete

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 121

Family Room

  • Level: Main
  • Area: 255

Features

  • 1st Bdrm En Suite,Breakfast Bar,Tray Ceiling(s),Eat-in Kitchen,Entrance Foyer,Natural Woodwork,Stand Up Shower,Tub/Shower Combination,Formal Dining Room
  • Window features: Skylight(s)
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Wood Burning,One
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,571

Heating & Cooling

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

Interior Area

  • Total structure area: 3,805
  • Total interior livable area: 2,571 sqft

Kitchen

  • Level: Main
  • Area: 221

Living Room

  • Level: Main
  • Area: 294

Property

Details

  • Parcel number: 200425201008.000032

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Screened
  • Has view: Yes
  • On waterfront: Yes
  • Waterfront features: Waterfront,Deck on Waterfront,Pier/Dock,Lake Front,Non Ski Lake,Lake
  • Waterbody name: Hunter Lake
  • Frontage length: Channel/Canal Frontage(0),Water Frontage(300)

Lot

  • Lot size: 3.67 Acres
  • Features: Few Trees,Sloped,3-5.9999,15+,Rural,Landscaped

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $3,223$38,676
Home Insurance *$285$3,420
Property Taxes $432$5,184
Electricity $235$2,828
Total$4,175$50,100
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

30% on housingRecommended$167,000/yr
35% on housing$143,142/yr
40% on housing$125,250/yr
45% on housing$111,333/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

$248This listing

vs Other Active Listings

Avg $/sqft

ZIP 46540$145
Elkhart County$144

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
2026-08-07Price change$627,500
2026-07-07Listed for sale$637,500

For Sale by Agent

AgentSteve Miller
BrokerageRE/MAX Results
Phone574-533-9581
View on Zillow

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