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14129 Huseman St, Cedar Lake, IN, 46303

5beds
3baths
2,178sqft
$799,900
$367price/sqft
$5,196/moest. monthly cost
$207,840/yrincome needed

About This Home

LAKEFRONT LIVING AT ITS BEST...This 2200 SQ/FT 5 bdrm, 3 bath, 3 car oversized garage with a fenced in yard is located 40 minutes from Chicago and positioned on an 800 acre ALL SPORTS LAKE...There is a large bonus room on the lower level that could be used as a 6th bedroom or even a related living area with separate entrance through the garage...Master bedroom with ensuite, large shower and his & hers sinks...Kitchen upgraded with newer cabinets and granite counter...All appliances & washer & dryer included...The family room has amazing lake views, a full masonry fireplace and hardwood floors throughout...5 x 15 covered deck & a 15 x 15 paver patio overlooking the lake...There is 165 feet x 4ft width of expensive aluminum lifetime boat dock /swimming pier included. Some of the wood planking is weathered. It is easy to replace with standard decking material that snaps right in from a building supply store...fresh carpet on the stairs, hallway & 3 bedrooms...Whole house generator...8 x 10m vinyl shed...natural gas grill included with a buried gas line so no more propane tanks...The house sits on a 50 foot lake lot that is 270 feet deep so there is plenty of room to set up your dream patio / gazebo / inground pool and landscaped area on the water... Hanover schools...close to dining and shopping...any personal property is negotiable including the John Deere tractor with a trailer and leaf bagger...

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

--
5/10
7/10

Construction

Condition

  • Year built: 1957

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bedroom2

  • Level: Second
  • Area: 195
  • Dimensions: 15X13

Bedroom3

  • Level: Second
  • Area: 132
  • Dimensions: 12X11

Bedroom4

  • Level: Second
  • Area: 228
  • Dimensions: 12X19

Bedroom5

  • Level: Second
  • Area: 90
  • Dimensions: 10X9

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Family Room

  • Level: Lower
  • Area: 252
  • Dimensions: 18X14

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,178
  • Total interior livable area: 2,178 sqft

Kitchen

  • Level: Main
  • Area: 210
  • Dimensions: 21X10

Living Room

  • Level: Main
  • Area: 336
  • Dimensions: 21X16

Master Bedroom

  • Features: Bathroom (Full)
  • Level: Second
  • Area: 187
  • Dimensions: 17X11

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 451534211028000014
  • Special condition: None

Features

  • Has view: Yes
  • View description: Front of Property
  • Water view: Front of Property
  • On waterfront: Yes

Lot

  • Lot size: 0.30 Acres
  • Lot size dimensions: 50x247

Parking

  • Total spaces: 3
  • Parking features: Asphalt,Yes,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered 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 WaveVery High
  • Tornado
    TornadoVery High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tornado
Heat Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters Across Indiana Counties

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tornado

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 $4,044$48,528
Home Insurance *$344$4,128
Property Taxes $609$7,308
Electricity $199$2,395
Total$5,196$62,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$178,148/yr
40% on housing$155,880/yr
45% on housing$138,560/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$367This listing

vs Other Active Listings

Avg $/sqft

ZIP 46303$181
Lake County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 46303$168
Lake County$150

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
2026-03-26Listed for sale$799,900
2026-03-23Pending sale$799,900
2026-03-18Listed for sale$799,900

For Sale by Agent

AgentJim Samuelson
BrokerageBerkshire Hathaway HomeServices Executive Realty

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