4320 Cottage Ave, Mishawaka, IN, 46544
About This Home
~~Exceptional Riverfront Retreat with 130+ Feet of Scenic Frontage~~ Discover the art of luxury living in this exceptional riverfront retreat, gracefully situated on three beautifully maintained lots and offering over 130 feet of tranquil frontage along one of the region’s most picturesque waterways. Designed to balance elegance and livability, this property captures stunning views from nearly every window and invites effortless entertaining indoors and out. The home’s transformation is evident in every detail, reflecting years of thoughtful design and expert craftsmanship. Extensive improvements have been completed, including major renovations by the esteemed Peacock & Co. and professional landscaping by Foegley Landscape, Inc. The result is a property that feels both refined and refreshed—surrounded by lush, manicured gardens and outdoor spaces perfect for gathering with friends, or simply enjoying the peaceful rhythm of the river. Inside, the thoughtful layout exudes both warmth and functionality. The chef-inspired kitchen, remodeled by Peacock & Co., showcases stainless steel appliances, including a top-of-the-line Thermador gas range, a granite-topped breakfast bar, cherry cabinetry, travertine flooring, and a walk-in pantry, forming the true heart of the home. The main-level primary ensuite opens to the pergola covered patio with river views for an easy connection to the outdoors. The primary quarters includes a spacious walk-in closet and a spa-quality bath with heated tile flooring and towel rack, dual vanities, and a frameless steam shower designed for ultimate relaxation. In the living room, elegant design meets comfort with a gas fireplace framed in custom masonry and built-in shelving that adds both beauty and functionality. A main-floor home office provides a peaceful space for productivity or creative pursuits. Upstairs, three spacious bedrooms accompany a remodeled full bath, with one bedroom being ideal for a second living room, media space, or used as a separate living area with private access through the three-stall garage. Every detail of this home reflects thoughtful design and fine craftsmanship. With its combination of elegant interiors, sophisticated updates, and breathtaking natural surroundings, this property offers a truly remarkable riverfront lifestyle you will not want to miss! ***CURRENT TAXES SHOWN ARE WITHOUT HOMESTEAD EXEMPTION***
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1996
Materials
- Roof: Asphalt,Shingle
- Construction materials: Brick
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Laundry features: Main Level
Basement
- Basement: Crawl Space,Concrete
Bedroom1
- Level: Main
Bedroom2
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
- Main level bedrooms: 1
Dining Room
- Level: Main
- Area: 195
Features
- 1st Bdrm En Suite,Ceiling Fan(s),Walk-In Closet(s),Countertops-Solid Surf,Eat-in Kitchen,Kitchen Island,Pantry,Steam Shower,Double Vanity,Stand Up Shower,Tub/Shower Combination,Bidet,Custom Cabinetry
- Flooring: Carpet,Tile
- Number of fireplaces: 1
- Fireplace features: Living Room,Gas Log
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 3,187
Heating & Cooling
- Heating features: Natural Gas,Baseboard,Floor Furnace,Hot Water,Radiant,Multiple Heating Systems
- Cooling features: Central Air
Interior Area
- Total structure area: 3,187
- Total interior livable area: 3,187 sqft
Kitchen
- Level: Main
- Area: 144
Living Room
- Level: Main
- Area: 374
Office
- Level: Main
- Area: 156
Property
Details
- Parcel number: 711007327012.000023
- Other equipment: Built-In Entertainment Ct
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck Covered,Deck,Patio
- Exterior features: Fire Pit,Irrigation System
- Fencing: Metal,Pet Fence
- Has view: Yes
- On waterfront: Yes
- Waterfront features: Waterfront,Deck on Waterfront,Pier/Dock,Boat Lot,River Front,River
- Waterbody name: Saint Joseph River
- Frontage length: Water Frontage(130)
Lot
- Lot size: 0.41 Acres
- Features: Sloped,0-2.9999,Landscaped
- Lot size dimensions: 120X150
Parking
- Total spaces: 3
- Parking features: Attached,Garage Door Opener,Garage Utilities,Concrete
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- 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
- Strong Wind
- 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 | $3,767 | $45,204 |
| Home Insurance * | $450 | $5,400 |
| Property Taxes | $727 | $8,724 |
| Electricity | $292 | $3,505 |
| Total | $5,236 | $62,832 |
Income You'd Need if You Spent...
Indiana FAIR Plan Programs
Indiana Basic Property Insurance Underwriting Association
Wildfire
HailWindHow 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 |
|---|---|---|
| 2026-05-01 | Listed for sale | $745,000 |
| 2026-04-30 | Listing removed | $745,000 |
| 2026-04-17 | Listed for sale | $745,000 |
| 2026-02-03 | Listing removed | $745,000 |
| 2025-10-30 | Listed for sale | $745,000 |
| 2023-10-24 | Sold | $700,000 |
| 2023-09-28 | Pending sale | $700,000 |
| 2023-09-02 | Listed for sale | $700,000 |
| 2007-06-04 | Sold | $450,000 |
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