12205 Choctaw Trl, Culver, IN, 46511
About This Home
Lake LaTonka living at its finest! Nestled on a quiet cul-de-sac, this split-level home offers breathtaking lake views from every room and sits on a beautifully wooded lot just over 1/2 acre. With more than 2,000 square feet of living space, this home is designed to capture natural light and serene waterfront scenery throughout. The spacious living room features vaulted ceilings with exposed beams, expansive windows, and an open, airy feel that perfectly frames the lake views. The custom kitchen boasts granite countertops, ample cabinetry, and flows seamlessly into the dining area, where sliding glass doors lead to a wraparound deck--ideal for relaxing, entertaining, or simply enjoying the peaceful lake setting. The main level offers a private primary suite complete with an en-suite full bath, a large cedar-lined walk-in closet, and a cozy sitting area. A second bedroom and full bathroom complete the main floor. The lower level includes a generous rec room, laundry area, 3/4 bath, and a workshop conveniently located off the back of the attached 2-car garage. Upstairs, a loft area overlooks the living room and provides additional flexible space. A backyard shed perfect for storing all your lake toys and equipment. This home is an opportunity to add your personal touch, updates and already comes with incredible views and endless potential. Home is being sold as-is.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1974
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Washer,Range Hood,Refrigerator,Range
- Laundry features: Gas Dryer Hookup,Washer Hookup,Laundry Room,Lower Level
Basement
- Has basement: Yes
- Basement: Bath/Stubbed,Storage Space
Bedroom2
- Area: 136
- Dimensions: 17.0 x 8.0
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 3
- Full bathrooms: 2
- 3/4 bathrooms: 1
Dining Room
- Area: 90
- Dimensions: 10.0 x 9.0
Features
- Cathedral Ceiling(s),Walk-In Closet(s),Vaulted Ceiling(s),Soaking Tub,Recessed Lighting,High Ceilings,Granite Counters,Entrance Foyer,Ceiling Fan(s)
- Finished area above ground: 1,708
Heating
- Heating features: Forced Air,Natural Gas
Interior Area
- Total structure area: 2,058
- Total interior livable area: 2,058 sqft
Kitchen
- Area: 108
- Dimensions: 12.0 x 9.0
Living Room
- Area: 304
- Dimensions: 19.0 x 16.0
Loft
- Area: 72
- Dimensions: 9.0 x 8.0
Other
- Area: 350
- Dimensions: 25.0 x 14.0
Primary Bedroom
- Area: 288
- Dimensions: 18.0 x 16.0
Property
Details
- Parcel number: 503121000170000017
- Zoning description: residential
- Special condition: None
Features
- Levels: One and One Half
- Pool features: None
- Patio & porch: Covered,Patio,Front Porch,Deck
- Exterior features: Storage
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Lake Front,Lake Privileges
Lot
- Lot size: 0.92 Acres
- Features: Back Yard,Front Yard,Few Trees,Cul-De-Sac
Parking
- Total spaces: 2
- Parking features: Garage Faces Front,Gravel
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Lightning
- Hail
- Strong Wind
- Tornado
- 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 | $2,300 | $27,600 |
| Home Insurance * | $265 | $3,180 |
| Property Taxes | $492 | $5,904 |
| Electricity | $188 | $2,263 |
| Total | $3,245 | $38,940 |
Income You'd Need if You Spent...
Indiana FAIR Plan Programs
Indiana Basic Property Insurance Underwriting Association
WildfireHailWindHow 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 |
|---|---|---|
| 2026-03-27 | Listed for sale | $459,900 |
View on Zillow