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68 Ems R2b Ln, Pierceton, IN, 46562

3beds
1baths
1,100sqft
$299,900
$273price/sqft
$2,145/moest. monthly cost
$85,800/yrincome needed

About This Home

Beautifully Updated Lakefront Retreat on 1 Acre Wake up to stunning lake views in this move-in-ready 3BR, 1BA lakefront home on a private 1-acre lot with 120 ft of shoreline. Completely renovated with new energy-efficient windows, a brand-new well, luxury vinyl flooring, updated bath, and an open layout with a spacious family room. Kitchen includes newer range, refrigerator, dishwasher, and microwave. Features electric boiler with radiant baseboard heat, window A/C, attic, unfinished basement, accessible entry, and cable. Perfect as a full-time home or rental.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

5/10
Pierceton Elementary SchoolGrades PK-65.0 mi
5/10
Whitko High SchoolGrades 7-1212.4 mi
7/10
South Whitley Elementary SchoolGrades PK-612.4 mi

Construction

Condition

  • Year built: 1949

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Microwave,Electric Oven,Range Hood,Refrigerator,Tankless Water Heater
  • Laundry features: In Unit

Bedroom2

  • Level: Main
  • Area: 108
  • Dimensions: 12x9

Bedroom3

  • Level: Main
  • Area: 128.25
  • Dimensions: 13.5x9.5

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Features

  • High Speed Internet,Smart Thermostat
  • Window features: Wood Work Painted

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,100
  • Total interior livable area: 1,100 sqft

Kitchen

  • Level: Main
  • Area: 220
  • Dimensions: 11x20

Living Room

  • Level: Main
  • Area: 263.25
  • Dimensions: 13.5x19.5

Master Bedroom

  • Level: Main
  • Area: 137.5
  • Dimensions: 12.5x11

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp,Accessible Doors,Accessible Entrance,Threshold ½” or less,Handicap Accessible Interior

Details

  • Parcel number: 431201400202000029
  • Special condition: As Is
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Gas Grill

Lot

  • Lot size: 1 Acres

Parking

  • Total spaces: 1
  • Parking features: Detached,Gravel,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Hail
Inland Flooding
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 $1,516$18,192
Home Insurance *$179$2,148
Property Taxes $266$3,192
Electricity $184$2,212
Total$2,145$25,740
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

30% on housingRecommended$85,800/yr
35% on housing$73,542/yr
40% on housing$64,350/yr
45% on housing$57,200/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 5.5%
5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$273This listing

vs Other Active Listings

Avg $/sqft

ZIP 46562$90
Kosciusko County$184

vs Homes Sold Last Month

Median $/sqft

ZIP 46562$171
Kosciusko 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)

Price History

DateEventPrice
2026-08-12Price change$289,900
2026-07-23Listed for sale$299,900
1999-06-30Sold$75,000

For Sale by Agent

AgentSteven Koleno
BrokerageBeycome Brokerage Realty LLC
Phone804-656-5007
View on Zillow

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