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101 Jefferson Valley, Coatesville, IN, 46121

5beds
3baths
3,154sqft
$649,999
$206price/sqft
$4,259/moest. monthly cost
$170,360/yrincome needed

About This Home

Experience lakefront living at Heritage Lake at an incredible value! This updated 5BR/3BA all-brick ranch offers over 3,100 sq ft of finished space and sits in a peaceful cove just off the main body, giving you privacy with quick access to open water. The open-concept main level features a spacious living/dining area with fireplace and an updated kitchen with granite countertops, stainless appliances, gas range, and breakfast bar. The primary suite has been redesigned with a spa-like bath, while the third bedroom offers flexibility as a laundry or flex space. The walk-out lower level is ideal for multi-generational living or guests, with two bedrooms, a full kitchen, living/dining areas, second laundry, and ample storage. Enjoy outdoor living with a main-level deck, lower patio, and updated dock with boat slip, ready for your boat and lake toys. Just minutes from the clubhouse, pool, beach, trails, concert stage and activity center, this home offers the full Heritage Lake lifestyle.Live where others vacation and enjoy boating, fishing, swimming, a summer concert series, year-round community events, and a private marina with Sahm's Haven restaurant all right at your fingertips! Lake life is calling, are you ready to answer?

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

6/10
5/10
10/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1996

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Disposal,MicroHood,Refrigerator,Washer,Water Heater,Water Softener Owned
  • Laundry features: In Unit,Connections All,Main Level,In Basement

Basement

  • Has basement: Yes
  • Basement: Ceiling - 9+ feet,Daylight,Egress Window(s),Exterior Entry,Finished,Finished Ceiling,Finished Walls,Full,Interior Entry,Storage Space,Walk-Out Access

Bedroom2

  • Level: Main
  • Area: 120
  • Dimensions: 12x10

Bedroom3

  • Level: Main
  • Area: 110
  • Dimensions: 11x10

Bedroom4

  • Level: Basement
  • Area: 130
  • Dimensions: 10x13

Bedroom5

  • Level: Basement
  • Area: 169
  • Dimensions: 13x13

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Level: Main
  • Area: 256
  • Dimensions: 16x16

Family Room

  • Level: Basement
  • Area: 364
  • Dimensions: 28x13

Features

  • Attic Pull Down Stairs,Breakfast Bar,Kitchen Island,Ceiling Fan(s),Hardwood Floors,High Speed Internet,Eat-in Kitchen,Pantry,Smart Thermostat,Walk-In Closet(s)
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Other
  • Fireplace: Yes
  • Attic: Pull Down Stairs
  • Finished area below ground: 1,577

Heating & Cooling

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

Interior Area

  • Total structure area: 3,154
  • Total interior livable area: 3,154 sqft

Kitchen

  • Level: Main
  • Area: 192
  • Dimensions: 16x12

Kitchen

  • Features: Tile-Ceramic
  • Level: Basement
  • Area: 108
  • Dimensions: 12x9

Laundry

  • Features: Other
  • Level: Basement
  • Area: 102
  • Dimensions: 17x6

Living Room

  • Level: Main
  • Area: 238
  • Dimensions: 14x17

Master Bedroom

  • Level: Main
  • Area: 221
  • Dimensions: 13x17

Utility Room

  • Features: Other
  • Level: Basement
  • Area: 368
  • Dimensions: 23x16

Property

Details

  • Parcel number: 670623102033001004
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck
  • Has view: Yes
  • View description: Lake,Water
  • Has water view: Yes
  • Water view: Lake,Water
  • On waterfront: Yes
  • Waterfront features: Boat Slip,Dock,Lake Front,Marina in Community,Water Access,Waterfront

Lot

  • Lot size: 0.33 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Winter Weather
Hail
Inland Flooding
Ice Storm
Lightning

FEMA Declared Disasters Across Indiana Counties

Flood
Snowstorm
Tornado

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 $3,286$39,432
Home Insurance *$364$4,368
Property Taxes $320$3,840
Electricity $289$3,469
Total$4,259$51,108
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$146,022/yr
40% on housing$127,770/yr
45% on housing$113,573/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.4%
3.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$206This listing

vs Other Active Listings

Avg $/sqft

ZIP 46121$197
Putnam County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 46121$180
Putnam County$145

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
2026-04-29Price change$699,000
2026-04-02Listed for sale$715,000
2025-11-11Listing removed$749,900
2025-10-04Price change$749,900
2025-09-12Price change$769,000
2025-08-07Price change$779,000
2025-06-21Listed for sale$799,000
2008-06-27Sold$205,000
2004-09-03Sold$174,900

For Sale by Agent

AgentHeather Ludlow
BrokerageGreene Realty, LLC

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