22055 State Road 120

Elkhart, IN

$364,900

22055 State Road 120, Elkhart, IN 46516

Elkhart, IN 46516

MLS# IRM202630193

Listed 52 days ago

3 Beds
2 Baths
2,048 Sq. Ft.

About this home

*Seller offering $5,000 buyer credit* 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

Type
Residential
Year Built
1963
Lot Size
0.43 acres
Listed
52 days ago
County
Elkhart County
Listing Office
Model Real Estate LLC

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$1,845/mo

Principal & interest
$1,845
Loan amount
$291,920

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Listed by Model Real Estate LLC. Contact Cell: 574-538-7405.

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SUNRISE Realty

Indiana Regional MLSMIBOR Broker Listing Cooperative

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IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, that the data is deemed reliable but is not guaranteed accurate by the Broker Listing Cooperative® listing service.

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IDX information is provided exclusively for consumers' personal noncommercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, that the data is deemed reliable but is not guaranteed by MLS GRID, and that the use of the MLS GRID Data may be subject to an end user license agreement prescribed by the Member Participant's applicable MLS if any and as amended from time to time.

Based on information submitted to the Broker Listing Cooperative listing service as of September 25, 2026 at 10:31 PM EDT. All data is obtained from various sources and may not have been verified by broker or Broker Listing Cooperative listing service. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Based on information submitted to the MLS GRID as of September 25, 2026 at 10:31 PM EDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.