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4906 Waters Edge Dr, Valparaiso, IN, 46383

2beds
3baths
2,015sqft
$420,000
$208price/sqft
$2,758/moest. monthly cost
$110,320/yrincome needed

About This Home

Start your visit to this beautiful duplex, by thinking about all the hours you can spend enjoying the walkway and deck that lead to views of the lake. Get away from it all, but yet a convenient location to shopping, highways and town. As you enter the property, you will see the detail and thought put into the design. The spacious foyer with custom flooring and arches welcomes you into the home. The kitchen is complete with a bay window eating area and a door that goes out to the small front patio. Note the custom cabinets and storage space they offer. The beautiful tile flooring is extended into the kitchen and eating area. The floor to ceiling stone fireplace can be enjoyed from the sun room or living room. The sunroom will offer views of each season and access to the large patio. Please note the high ceilings and beautiful woodwork that enhances both the living room and sunroom. The main floor bedroom offers a spacious bath, with a custom closet. Upstairs you will find a second bedroom, a full bathroom and an office/tv room. Great for out of town guests. The unfinished attic area offers storage and easy access. Room sizes to best of knowledge. Buyer may want to measure, if important.

Getting Around

21
WalkingCar-Dependent
0
TransitNo Nearby Transit
29
BikeSomewhat Bikeable

Schools

7/10
8/10
10/10
Valparaiso High SchoolGrades 9-122.2 mi

Construction

Condition

  • Year built: 2000

Type & Style

  • Home type: SingleFamily
  • Property subType: Half Duplex

Interior

Appliances

  • Appliances included: Dryer,Washer,Range Hood,Refrigerator,Range,Microwave,Dishwasher
  • Laundry features: Laundry Room

Bedroom2

  • Level: Upper
  • Area: 121.38
  • Dimensions: 11.9 x 10.2

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Den

  • Level: Upper
  • Area: 127.71
  • Dimensions: 12.9 x 9.9

Features

  • Ceiling Fan(s),Country Kitchen,Tray Ceiling(s),High Ceilings,Entrance Foyer,Double Vanity,Crown Molding
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 2,015

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total structure area: 2,015
  • Total interior livable area: 2,015 sqft

Kitchen

  • Level: Main
  • Area: 305.8
  • Dimensions: 22.0 x 13.9

Living Room

  • Level: Main
  • Area: 278.24
  • Dimensions: 18.8 x 14.8

Primary Bedroom

  • Level: Main
  • Area: 279.3
  • Dimensions: 19.0 x 14.7

Sunroom

  • Level: Main
  • Area: 177.31
  • Dimensions: 14.9 x 11.9

Property

Details

  • Parcel number: 641006327007000003
  • Attached to another structure: Yes
  • Zoning description: residential
  • Special condition: None

Features

  • Levels: One and One Half
  • Patio & porch: Patio
  • Has view: Yes
  • View description: Neighborhood,Trees/Woods

Lot

  • Lot size: 4,356 sqft
  • Features: Cul-De-Sac,Paved,Landscaped

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener
  • 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
    Cold WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tornado
Strong Wind
Winter Weather
Tsunami

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 $2,123$25,476
Home Insurance *$203$2,436
Property Taxes $248$2,976
Electricity $184$2,216
Total$2,758$33,096
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,560/yr
40% on housing$82,740/yr
45% on housing$73,546/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.9%
3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 46383$153
Porter County$165

vs Homes Sold Last Month

Median $/sqft

ZIP 46383$168
Porter County$169

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
2026-08-01Listed for sale$420,000
2006-06-28Sold$287,000
2001-11-26Sold$212,637

For Sale by Agent

AgentDianne Kwiatkowski
BrokerageColdwell Banker Real Estate Gr

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