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22055 State Road 120 Highway
Elkhart, IN 46516

New Listing
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New Listing
beds
3
baths
2
type
Single Family Home
sq.ft.
2,048
mls #
202630193
Single Family Home

Experience the best of waterfront living in this beautifully maintained 3 bedroom, 2 bathroom home offering channel access to the St. Joseph River and the privacy of a beautifully secluded backyard setting. This unique property combines comfort, efficiency, and flexible living space featuring solar panels, walk-out basement and a setting designed for enjoying the outdoors. Inside, you'll find inviting living spaces and a finished walkout lower level designed with versatility in mind. The lower level features a full kitchen, spacious living area, bathroom, rec room, along with its own private exterior entrance and direct walkout access to the backyard. This flexible space provides endless possibilities for multi-generational living, extended guests, a home office, recreation, or additional entertaining space. Outdoor amenities include an expansive deck overlooking the water, fenced backyard for privacy, hot tub, and your own private boat dock for easy channel access to the St. Joseph River. Additional highlights include owned solar panels offering energy efficiency and long-term savings, a large storage shed with electricity for boating gear, lawn equipment, and hobbies. Conveniently located with easy access to major roadways including County Road 17 and the Indiana Toll Road. Offering the perfect blend of water recreation, flexible living space, modern efficiency, and everyday convenience, this is a rare opportunity to enjoy the lifestyle you've been looking for.

Property Details

school district
Concord Community
architecture
Ranch
taxes
$1,974.00
built
1963
MLS#
202630193
Garage Size
1

Interior Features

  • Microwave oven
  • Refrigerator
  • Water softener
  • Ceiling fan(s)
  • Central air
  • Forced air heat
  • Natural gas heat
  • Gas water heater
  • Carpet
  • Vinyl flooring
  • Laminate flooring
  • Finished basement
  • Basement has outside entrance
  • Walkout basement

Exterior Features

  • Elementary school: East Side
  • Middle school: Concord
  • High school: Concord
  • School district: Concord Community Schools
  • Garage
  • One car garage
  • Attached parking
  • Attached garage
  • Off street parking
  • Garage spaces: 1
  • Vinyl siding
  • Porch
  • Patio
  • Deck
  • Lot acreage is: 0.43
  • Lot dimension is: 110 x 170
  • Lot has wood fencing
  • Waterfront lot
  • Body of water: St. Joe River Upper
  • Lot on or near river
  • Lot on or near canal
  • Lot sqft: 18731
  • Sloped lot
  • Subdivision: None
  • Frontage: Waterfront
  • Lot has water view
  • Concrete driveway
  • Private water
  • Well water
  • Septic system
  • Total square feet: 2048
  • Total above grade finished sq ft: 1008
  • Basement square feet: 1040
  • Living square feet: 2048
  • Property style: ranch
  • Shed
  • For sale
  • Tax year: 2026

Room Dimensions

  • Family room is 16 x 10
  • Family Room Level: Lower
  • Laundry room
  • Bedroom 1 is 12 x 11
  • Bedroom 1 Level: Main
  • Bedroom 2 is 12 x 11
  • Bedroom 2 Level: Main
  • Bedroom 3 is 12 x 10
  • Bedroom 3 Level: Lower
  • Kitchen is 15 x 11
  • Kitchen Level: Main
  • Living Room is 18 x 15
  • Living Room Level: Main
  • Laundry Room is 4 x 4
  • Laundry Room Level: Lower
  • Number of rooms: 8
  • Baths on main floor: 1

Courtesy of:
Model Real Estate LLC
Amanda Ramundo
Cell: 574-538-7405

Call (855) 464-2662

855-GO-HANNA
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By submitting this request, you agree to be contacted by Howard Hanna via call, email, and text for real estate, mortgage, insurance, and professional services but not as a condition of any purchase. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. You will receive a text message asking you to authenticate your phone number. Message/data rates may apply. This consent applies even if you are on a corporate, state, or national Do Not Call list. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. You also agree with our Terms of Use and Privacy Policy regarding the information relating to you. Your phone number, if you choose mobile opt-in data, will not be shared with third parties for marketing purposes. You can also view our privacy policy here: Policy Link

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Call (855) 464-2662

855-GO-HANNA
We are standing by to assist you.
or

Want to make an offer? Select the button below!

Make an Offer
Select a preferred date & time
Have you been pre-approved for a mortgage?

On submitting this form, you'll receive a one-time text message with verification code to confirm the mobile phone number.

By submitting this request, you agree to be contacted by Howard Hanna via call, email, and text for real estate, mortgage, insurance, and professional services but not as a condition of any purchase. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. You will receive a text message asking you to authenticate your phone number. Message/data rates may apply. This consent applies even if you are on a corporate, state, or national Do Not Call list. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. You also agree with our Terms of Use and Privacy Policy regarding the information relating to you. Your phone number, if you choose mobile opt-in data, will not be shared with third parties for marketing purposes. You can also view our privacy policy here: Policy Link

By submitting this request, you agree to be contacted by Howard Hanna via call, email, and text for real estate, mortgage, insurance, and professional services but not as a condition of any purchase. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. You will receive a text message asking you to authenticate your phone number. Message/data rates may apply. This consent applies even if you are on a corporate, state, or national Do Not Call list. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. You also agree with our Terms of Use and Privacy Policy regarding the information relating to you. Your phone number, if you choose mobile opt-in data, will not be shared with third parties for marketing purposes. You can also view our privacy policy here: Policy Link

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Mortgage Payment

The approximate monthly principal & interest payment for this property would be $2,340.27.

This payment is based on a 30-year loan at a fixed rate of 6.750 % - APR 7.010 % with a down payment of $18,495. Actual lender interest rates and loan programs may vary. Loans with lower down payments are available.

Use our Mortgage Payment Calculator to determine a more exact payment estimate.

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22055 State Road 120 Highway, Elkhart, IN 46516 is a 3 bedroom, 2 bath single family home offered for sale at $369,900.
All information deemed reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of IRMLS (last updated 7/27/2026). Real estate listings held by brokerage firms other than Howard Hanna Real Estate may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.