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74 Ems W23c Ln, North Webster, IN, 46555

2beds
1baths
682sqft
$225,000
$330price/sqft
$1,554/moest. monthly cost
$62,160/yrincome needed

About This Home

PRICE IMPROVEMENT!! Discover the perfect blend of coziness and lakeside living in this stunning North Webster gem. Nestled along a channel, this meticulously maintained home offers access to a ski lake, making it an ideal haven for water enthusiasts and nature lovers alike. Step inside to find natural light flowing through! Outside there is a generous deck- perfect for unwinding and hosting! Spacious parking, accommodating all your vehicles and guests with ease. Whether you're savoring peaceful mornings on the deck or embarking on adventurous days on the water, this house promises endless opportunities for relaxation and exploration.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
7/10
Wawasee Middle SchoolGrades 6-84.9 mi
4/10
Wawasee High SchoolGrades 9-128.8 mi

Construction

Condition

  • Year built: 1972

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Refrigerator,Washer,Dryer-Electric,Electric Range,Water Softener Owned

Basement

  • Basement: Crawl Space

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Features

  • Window features: Window Treatments
  • Flooring: Vinyl
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 682

Heating & Cooling

  • Heating features: Wall Furnace
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 682
  • Total interior livable area: 682 sqft

Property

Details

  • Parcel number: 430813300269.000023

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Has view: Yes
  • On waterfront: Yes
  • Waterfront features: Waterfront,Pier/Dock,Canal Front,Access to Ski Lake,Lake
  • Waterbody name: The Backwaters
  • Frontage length: Channel/Canal Frontage(109),Water Frontage(109)

Lot

  • Lot size: 10,018 sqft
  • Features: Cul-De-Sac,Lake
  • Lot size dimensions: 81X124

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 $1,137$13,644
Home Insurance *$48$576
Property Taxes $185$2,220
Electricity $184$2,212
Total$1,554$18,648
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,280/yr
40% on housing$46,620/yr
45% on housing$41,440/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

$330This listing

vs Other Active Listings

Avg $/sqft

ZIP 46555$150
Kosciusko County$184

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
2026-07-21Price change$225,000
2026-06-28Price change$235,000
2026-06-10Price change$249,900
2026-05-15Listed for sale$255,000
2021-09-17Sold$96,000
2021-08-27Pending sale$99,900
2021-08-25Listed for sale$99,900
2017-05-05Sold$73,000
2017-03-01Listed for sale$72,900
2016-10-26Listing removed$99,000
2016-06-03Price change$99,000
2016-05-04Listed for sale$109,900

For Sale by Agent

AgentGrace Hershberger
BrokeragePatton Hall Real Estate

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