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124 Ems W17 Ln, North Webster, IN, 46555

4beds
2baths
1,440sqft
$529,000
$367price/sqft
$3,381/moest. monthly cost
$135,240/yrincome needed

About This Home

Life on Webster Lake is about more than weekends on the water. It's morning coffee overlooking the lake, afternoons spent boating or kayaking, evenings watching the sunset from the deck, and making memories with family and friends year-round. This 4-bedroom, 2-bath lakefront home offers approximately 1,440 finished square feet, updates throughout, and the perfect balance of peaceful waterfront living and all the fun Webster Lake has to offer. The island across the water creates a beautiful backdrop while giving the home a peaceful feel away from the main boating traffic. Spend your days enjoying Webster Lake, then come back to a waterfront setting where a variety of wildlife—including the occasional bald eagle—is part of everyday life. The main level features an open kitchen, dining area, and living room with large lakeside windows that fill the space with natural light. The updated kitchen offers stainless steel appliances, an island with seating, and plenty of cabinet and counter space. A floor-to-ceiling stone fireplace with a gas insert and wood mantel creates a cozy gathering space. Waterproof luxury vinyl plank flooring installed in 2023, a full bath, and stackable laundry complete the main level. Upstairs you'll find four bedrooms and a second full bath, including two bedrooms overlooking the lake. Step outside to the lakeside deck with a built-in hot tub, plenty of space for dining and entertaining, and front-row seats to Webster Lake's incredible sunsets. The concrete seawall and pier provide easy access to Webster Lake. Spend your days boating, skiing, tubing, swimming, or fishing, then boat over to Lakeview Pizza King to pick up dinner. Launch your kayak and paddle through the tunnel into the Backwaters before continuing on to Kiser Lake. This home is just as enjoyable beyond summer, with colorful fall views, peaceful winters, and a setting you'll appreciate in every season. Additional features include two storage sheds—one near the driveway and another by the lake—premium carpet and waterproof luxury vinyl plank flooring installed in 2023, updated windows throughout much of the home, newer siding and awnings, a water softener, reverse osmosis system, and a metal roof installed in 2020. A lakeside access easement provides convenient access for moving large furniture, lake toys, and service vehicles. Whether you're looking for a year-round home or a weekend getaway, this property offers peaceful lake living and unforgettable sunsets.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

7/10
7/10
Wawasee Middle SchoolGrades 6-83.9 mi
4/10
Wawasee High SchoolGrades 9-127.9 mi

Construction

Condition

  • Year built: 1976

Materials

  • Roof: Metal
  • Construction materials: Metal Siding,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Gas Cooktop,Washer/Dryer Stacked,Gas Oven,Gas Range,Water Filtration System,Gas Water Heater,Water Softener Owned
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space,Block

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: Main
  • Area: 121

Features

  • Ceiling Fan(s),Countertops-Solid Surf,Eat-in Kitchen,Kitchen Island,Open Floorplan,Pantry,Stand Up Shower,Tub/Shower Combination
  • Window features: Window Treatments,Blinds
  • Flooring: Carpet,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Insert
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,440

Heating & Cooling

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

Interior Area

  • Total structure area: 1,440
  • Total interior livable area: 1,440 sqft

Kitchen

  • Level: Main
  • Area: 180

Living Room

  • Level: Main
  • Area: 198

Property

Details

  • Parcel number: 430812300194.000023

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Exterior features: Fire Pit
  • Has spa: Yes
  • Spa features: Private
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Waterfront,Lake,Waterfront-Medium Bank,Deck on Waterfront,Pier/Dock,Lake Front,Ski Lake
  • Waterbody name: Webster Lake
  • Frontage length: Channel/Canal Frontage(0),Water Frontage(44)

Lot

  • Lot size: 6,534 sqft
  • Features: Few Trees,Sloped,0-2.9999,Lake,Landscaped
  • Lot size dimensions: 44X149

Parking

  • Parking features: Gravel
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Lightning
Tornado

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 $2,674$32,088
Home Insurance *$115$1,380
Property Taxes $408$4,896
Electricity $184$2,212
Total$3,381$40,572
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,920/yr
40% on housing$101,430/yr
45% on housing$90,160/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

$367This listing

vs Other Active Listings

Avg $/sqft

ZIP 46555$137
Kosciusko County$183

vs Homes Sold Last Month

Median $/sqft

ZIP 46555$251
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
2026-08-11Price change$499,000
2026-07-26Price change$529,000
2026-07-16Listed for sale$549,000
2023-04-21Sold$429,900
2023-03-27Listed for sale$429,900

For Sale by Agent

AgentAngela Racolta
BrokerageEncore Sotheby's International Realty

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