96 Ems W23 Ln, North Webster, IN, 46555
About This Home
Welcome to your fully furnished, turnkey lakefront retreat on the peaceful shores of Backwater Lake! Offered completely furnished, this charming cottage is truly move-in ready, allowing you to start enjoying lake life from day one. Whether you’re searching for a weekend getaway, a vacation rental investment, or a year-round home, this beautifully updated property offers a rare opportunity to own lakefront real estate w/ convenient access to everything Lake Webster has to offer—all at an attractive price point. Tucked along the shoreline of scenic Backwater Lake, this beautifully updated 1-bedroom, 1.5-bath cottage showcases some of the most breathtaking waterfront views the lake has to offer. Completely remodeled in 2024, the home perfectly blends modern finishes w/ the warmth & charm of relaxed lakeside living. Inside, the spacious bedroom is filled w/ natural light from the dormer window & offers stunning lake views to wake up to each morning. The updated full bath features a sleek all-glass walk-in shower & contemporary finishes that complement the home’s stylish yet inviting design. Additional recent improvements—including a newer metal roof & gutters (less than one year old), reverse osmosis system, & integrated ADT security system-provide added value & peace of mind for low-maintenance ownership. The setting is what truly sets this property apart. Whether you’re enjoying your morning coffee from the living room, unwinding on the deck, or entertaining family & friends by the water, the elevated design of the home provides spectacular lake views from nearly every angle. Popular 189-acre Backwater Lake is well known for excellent fishing, kayaking, & peaceful boating. Conveniently located near the tube/tunnel, owners can access all-sports Lake Webster w/ smaller boats (depending on water levels) to enjoy skiing, tubing, & endless summer recreation. Nearby Kiser Lake also offers a quiet escape for swimming, floating, & relaxing on the water. The property includes a private pier/dock & is located just minutes from the public boat launch, making getting on the water simple & convenient. Near the heart of North Webster, you’ll enjoy easy access to one of Indiana’s favorite lake communities, home to the iconic Dixie Sternwheeler, popular waterfront restaurants, local shops, & a laid-back lake lifestyle. Offered fully furnished & completely turnkey, this exceptional cottage is a move-in-ready lakefront property without the larger price tag.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1949
Materials
- Roof: Metal
- Construction materials: Metal Siding,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Microwave,Refrigerator
- Laundry features: Main Level
Basement
- Basement: Crawl Space
Bedroom1
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Level: Main
Features
- Eat-in Kitchen,Entrance Foyer,Open Floorplan,Stand Up Shower
- Window features: Window Treatments
- Flooring: Vinyl
- Finished area below ground: 384
- Finished area above ground: 400
Heating & Cooling
- Heating features: Other
- Cooling features: Multi Units
Interior Area
- Total structure area: 784
- Total interior livable area: 784 sqft
Kitchen
- Level: Main
- Area: 88
Living Room
- Level: Main
- Area: 156
Property
Details
- Parcel number: 430813300173.000023
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Deck
- Exterior features: Balcony,Fire Pit
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Lake,Deck on Waterfront,Pier/Dock,Lake Front,Non Ski Lake
- Waterbody name: The Backwaters
- Frontage length: Channel/Canal Frontage(0),Water Frontage(55)
Lot
- Lot size: 2,178 sqft
- Features: 0-2.9999,Lake,Landscaped
- Lot size dimensions: 40x85
Parking
- Parking features: Stone
- 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
- Cold Wave
- Lightning
- Tornado
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 | $1,061 | $12,732 |
| Home Insurance * | $45 | $540 |
| Property Taxes | $22 | $264 |
| Electricity | $184 | $2,212 |
| Total | $1,312 | $15,744 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-10 | Pending sale | $210,000 |
| 2026-06-25 | Price change | $210,000 |
| 2026-06-11 | Price change | $220,000 |
| 2026-05-29 | Listed for sale | $225,000 |
| 2024-07-15 | Listing removed | $215,000 |
| 2024-07-15 | Price change | $215,000 |
| 2024-06-27 | Listed for sale | $182,800 |
| 1999-04-05 | Sold | $2,500 |
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