Elkhart Homes with Waterfront Lot description

Welcome to Elkhart, Indiana, a charming city nestled in the heart of Elkhart County, known for its rich history, vibrant culture, and stunning natural beauty. With its picturesque landscapes and friendly community, Elkhart is an ideal place to call home. The city is famous for its thriving arts scene, highlighted by the renowned Midwest Museum of American Art and the annual Elkhart Jazz Festival, which draws music lovers from far and wide.

Elkhart is also the gateway to a plethora of outdoor recreational activities. With numerous parks, trails, and waterways, residents can enjoy everything from hiking and biking to boating and fishing. The city is bordered by the serene waters of the Elkhart River and is in close proximity to several beautiful lakes, making it a perfect destination for nature enthusiasts.

For those seeking tranquility and a touch of luxury, Elkhart offers an array of homes with waterfront lots. Imagine waking up to the gentle sounds of lapping water and enjoying breathtaking views right from your backyard. These waterfront properties provide a unique lifestyle, where you can indulge in fishing, kayaking, or simply relaxing by the water’s edge.

Whether you’re looking for a cozy cottage or a spacious family home, Elkhart’s waterfront real estate options cater to various needs and tastes. Embrace the charm of Elkhart and find your perfect waterfront sanctuary today, where nature and community come together in perfect harmony. Discover the joys of waterfront living in this hidden gem of Indiana!

Newest Elkhart Homes with Waterfront Lot description

$369,900

3 Beds ⋅ 2 Baths ⋅ 202630193 MLS ⋅ 2,352 SqFt. ⋅ Amanda Ramundo

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.

22055 State Road 120 Highway, Elkhart

Listing courtesy of Amanda Ramundo from Model Real Estate LLC. Cell: 574-538-7405

$187,000

2 Beds ⋅ 2 Baths ⋅ 202630022 MLS ⋅ 2,213 SqFt. ⋅ Angela Pritchard

This parcel offers 2 homes with a garage between and Heaton Lake access. These homes are need of some updating but the possibilities are endless.

23139 Heaton Vista, Elkhart

Listing courtesy of Angela Pritchard from Addresses Unlimited, LLC. 574-232-7325

$1,550,000

5 Beds ⋅ 5 Baths ⋅ 202629765 MLS ⋅ 8,002 SqFt. ⋅ Dennis Bamber

COMMANDING 386 FEET OF PRISTINE RIVER FRONTAGE WITH A REINFORCED SEAWALL. THIS 7500+ SQ. FT. ESTATE DELIVERS PANORAMIC WATERFRONT IEWS FROM NEARLY EVERY ROOM. THE OUTDOOR LIVNG IS UNRIVALED A GAZEBO PERCHED AT THE WATERS EDGE, YOUR OWN BOAT LIFT, DUAL PTIOS FOR ENTERTAINING, A POND WITH A WATERFALL, AND AAN OUTDOOR KITCHEN RADY FOR SUMME REVENINGS ON THE RIVER. YOU ENJOY ALL OF THIS WITH NO FLOOD INSURANCE REQUIREMENT. INSIDE, THE PRIMARY SUITE IS A TRUE RETREAT — wake to river views through arched windows, step directly onto your private patio, and unwind in a spa-inspired bath with a designer porcelain tub and oversized tile shower. Upstairs, a second primary suite offers its own private balcony and sitting area, giving guests or family the same breathtaking water views. THE GOURMET KITCHEN — anchored by a quartz island, gas range, and wine cooler — opens to a sun-drenched dinette with a bay window and circular built-in seating, the perfect spot for morning coffee as the river comes to life. ATTACHED ON THE MAIN LEVEL, A STUNNING INDOOR POOL HOUSE transforms every season into pool season. With vaulted ceilings, a separate spa, gas fireplace, and a brand-new high-efficiency dehumidifier system, the space is equal parts wellness retreat and entertainment pavilion. A four-season workout room adjoins the pool house, so your fitness routine comes with a view year-round. Four bedrooms, five full baths, Two gas fireplaces. Three-car garage. Generator-ready. Steel roof. Dual high-efficiency furnaces and AC. THIS ISNT'S JUST A HOME--IT'S A RIVERFRONT LIFESTYLE!

2515 Waterbend Drive, Elkhart

Listing courtesy of Dennis Bamber from Cressy & Everett- Elkhart. Cell: 574-532-3808

$699,900

3 Beds ⋅ 3 Baths ⋅ 202629136 MLS ⋅ 2,524 SqFt. ⋅ Cory White

Experience lakefront living on beautiful Simonton Lake! This inviting 3-bedroom, 2.5-bath home offers stunning water views and plenty of space to relax and entertain. Enjoy direct lake access, boating, fishing, kayaking, and unforgettable sunsets right from your backyard. With a spacious layout, outdoor gathering areas, and a prime waterfront setting, this property is perfect as a year-round residence or weekend retreat. Available to purchase fully furnished and airbnb rent ready for an additional $25,000.

51173 Channel Court, Elkhart

Listing courtesy of Cory White from Realty Group Resources. Office: 574-264-2000

$530,000

3 Beds ⋅ 2 Baths ⋅ 202629130 MLS ⋅ 1,628 SqFt. ⋅ Wilma McDougle

Stunning Riverfront Living in River Shore Estates! Move right into this beautifully updated 3-bedroom, 2-bath waterfront home on the Lower St. Joseph River—no flood insurance required! Whether you enjoy boating, fishing, kayaking, swimming, or simply relaxing by the water, this property offers the riverfront lifestyle you've been dreaming of. Inside, you'll love the bright, open floor plan featuring a spacious living room with a cozy wood-burning fireplace and a full wall of windows showcasing breathtaking river views. The family room, complete with a gas fireplace, provides another inviting space to unwind while enjoying the waterfront scenery. Updated bathrooms with new recessed cabinets, fresh paint, and new LVP flooring add to the home's move-in-ready appeal. The kitchen is designed for both everyday living and entertaining, offering abundant cabinetry, pantry, new Quartz countertops and backsplash, kitchen sink/workstation, faucet, and new appliances in a fresh, modern setting. Step outside and experience the true highlight of this property. Enjoy the welcoming front patio, expansive waterfront deck, and waterside concrete patio—ideal for entertaining, morning coffee, or watching spectacular sunsets over the river. A reinforced seawall and maintenance-free cantilever aluminum pier provide easy access to the water (boat, lift, stairs, small pier not included). If you've been searching for a beautifully updated waterfront home where the work has already been done, this is your opportunity to start enjoying life on the river. * Please see the attached docs for more info

29453 River Shore Estates, Elkhart

Listing courtesy of Wilma McDougle from McKinnies Realty, LLC Elkhart. Cell: 574-612-3252

$369,000

3 Beds ⋅ 3 Baths ⋅ 202626530 MLS ⋅ 3,330 SqFt. ⋅ Giselle Hernandez

Nestled in a desirable Elkhart neighborhood, this beautifully maintained 3-bedroom, 3-bath home offers the perfect blend of comfort, space, and scenic surroundings. The inviting main level features a spacious layout highlighted by a cozy fireplace, creating a warm and welcoming gathering space. The finished basement expands your living area with a versatile bonus room, ideal for a home office, gym, hobby room, or additional living space. Step outside onto the deck and enjoy peaceful mornings or relaxing evenings overlooking the pond, with picturesque views of the golf course providing a beautiful backdrop year-round. With three full bathrooms, generous living space, and an attached garage, this home offers both functionality and style. Conveniently located near shopping, dining, parks, and everyday amenities, this is an exceptional opportunity to enjoy tranquil views without sacrificing convenience. Schedule your private showing today!

3905 Doral Lane, Elkhart

Listing courtesy of Giselle Hernandez from Berkshire Hathaway HomeServices Elkhart. Office: 574-293-1010

$649,000

5 Beds ⋅ 4 Baths ⋅ 202626482 MLS ⋅ 3,329 SqFt. ⋅ Amy Troyer

Discover Over 3,000 sq ft of Thoughtfully Updated Living Space on the Peaceful Channel of the Upper St. Joe River In Heron Cove! This 4–5 bedroom, 3.5 bath Haven Offers unmatched Serenity and Functionality—Including a Full Bathroom on Every Level, Making Busy Mornings and Guest Stays a Breeze! Step Inside to a Beautiful Soaring Coffered Ceiling & Wall of Windows in the Living Room, and a Gourmet Kitchen (2021) Boasting Spacious Quartz Countertops, Black Stainless Steel Appliances, Tiled Backsplash, Pantry and Walk-Around Island. The Main-Level Primary En-Suite Provides a Relaxing Escape, while Three Upstairs Bedrooms and another Full Bath Offer Comfort and Privacy for the Whole Family. The Walk-Out Lower Level Provides a Versatile Layout that Includes an Additional Bedroom or Office, Full Bath, Kitchenette, Game Room, and Spacious Family Room—Ideal for Entertaining. Enjoy the Peacefulness of the Channel with Steel Wall and Year-Round Dock Access—No Hauling, No Seasonal Stress, No Wake Splashing Against the Seawall and High Ground - No Chance of Flooding! Entertain Effortlessly on the New Composite Deck, Railing, & Staircase (2021) with Power Awning! Additional Updates to This Meticulously Kept Home Include Vinyl Luxury Flooring (2021), Front Storm Door, 2 Sump Pumps (2026). New Chimney and Cap, and New Lighting. Perfect Location with the Park Area with Volleyball, Tennis Court, Basketball Court, Playground, & Picnic Area Right Across the Street . Enjoy Summertime on the River with Live Free Music on the Weekends!

54454 Heron Cove Lane, Elkhart

Listing courtesy of Amy Troyer from Snyder Strategy Realty Inc.. Cell: 574-354-1841

$1,500,000

4 Beds ⋅ 4 Baths ⋅ 202626474 MLS ⋅ 5,536 SqFt. ⋅ Tracy DeShone

Exceptional luxury home on the Upper St. Joe River loaded with premium upgrades! More Pictures to come! This entertainers dream offers a four season bar with large sliders that open fully to the resort-style outdoor living that includes a cabana with outdoor kitchen, TV, Sonos sound system, gas fire pit, and outdoor shower. Beyond this, relax by the heated inground pool with river views. Inside, the stunning 2025 custom gourmet kitchen boasts built-in appliances, a 10-foot quartz island, coffee bar, and walk-in pantry. The walkout lower level functions as a second living space with a full kitchen, 2nd laundry, two oversized bedrooms with walk-in closets, family room and entertainment area. Features include a geothermal system, whole-home Generac generator, tankless water heater, and irrigation system. Additional highlights include 3.5 baths, updated quartz vanities, new carpet, reverse osmosis systems, a heated 3.5–4-car garage with workshop and epoxy floors, plus a finished bonus room above the garage—ideal for a gym, office, or hobby room. Too many amenities to mention them all-see list in documents.

23042 Greenleaf Boulevard, Elkhart

Listing courtesy of Tracy DeShone from RE/MAX Results. Cell: 574-361-4560

$346,900

4 Beds ⋅ 4 Baths ⋅ 202626191 MLS ⋅ 2,408 SqFt. ⋅ Brianna Vance

This home is where comfort, space, and beautiful waterfront views come together to create the perfect place to call home. This well-loved home has been thoughtfully cared for and offers plenty of room to spread out, making it ideal for everyday living and entertaining alike. Recent updates include a newer HVAC system for added peace of mind, as well as the addition of a spacious bedroom and full bathroom, providing extra flexibility for guests, a growing household, or a private home office. Step outside and enjoy the serene waterfront setting, where stunning views create the perfect backdrop for your morning coffee or evening relaxation. Whether you’re enjoying the peaceful surroundings indoors or out, you’ll appreciate the beauty and tranquility this property has to offer. If you’ve been searching for a spacious, well-maintained home with valuable updates and picturesque waterfront living, this is one you won’t want to miss.

30046 Westlake Drive, Elkhart

Listing courtesy of Brianna Vance from Realty Group Resources. Cell: 574-202-6356

$565,000

3 Beds ⋅ 4 Baths ⋅ 202625467 MLS ⋅ 4,280 SqFt. ⋅ Lucinda Lowe

Welcome to this beautifully maintained 3-bedroom riverfront home on the Upper St. Joseph River, where timeless character meets exceptional waterfront living. Expansive river views, beautifully landscaped gardens, and generous living spaces create an inviting setting for both everyday living and entertaining. Step outside to your own private waterfront retreat. A concrete seawall, private dock, and pier provide easy access for boating, fishing, kayaking, or simply relaxing along the water's edge while enjoying the peaceful surroundings. Inside, spacious living areas are filled with natural light and showcase beautiful hardwood floors, a striking fireplace flanked by custom built-in cabinetry, and distinctive stained-glass accents. The custom-designed kitchen is a chef's dream, featuring high-end stainless steel appliances, abundant workspace, and finishes that blend style with everyday functionality. Conveniently located just minutes from downtown, shopping, dining, entertainment, and the Aquatic Center. This exceptional property offers the perfect combination of comfort, convenience, and year-round waterfront living. Whether you're looking for a peaceful place to call home or the ideal setting for gathering with family and friends, this riverfront gem is ready to welcome you.

1225 Greenleaf Boulevard, Elkhart

Listing courtesy of Lucinda Lowe from Berkshire Hathaway HomeServices Elkhart. Office: 574-293-1010

$334,000

3 Beds ⋅ 2 Baths ⋅ 202623824 MLS ⋅ 1,732 SqFt. ⋅ Wilma McDougle

An affordable waterfront lifestyle that most buyers assume they can't afford. Imagine waking up to panoramic river views, soaring eagles, and the peaceful sounds of the Lower St. Joseph River—all from your own private 1.1-acre retreat. Rare waterfront opportunity! Tucked away on a unique private road, this tranquil riverfront setting provides a peaceful escape from the everyday. Enjoy your morning coffee overlooking the water, spend evenings around the fire watching the river flow by, or relax among the multiple gardens. This charming, updated home offers upper and lower patios, open-concept main-level living, and a versatile walkout lower level that can accommodate a recreation room, guest quarters, a home office, or a potential apartment-style setup. Large windows capture scenic river views and fill the home with natural light. Major improvements: plumbing, electrical, and heating systems (2017); A/C (2018); new roof (2020); new septic (2026). Best of all, no flood insurance is required. Additional features: detached 2-car garage near the home, a second detached garage/workshop being sold as-is, and a handy storage shed. Whether you need space for hobbies, storage, gardening, or outdoor recreation, this property offers endless possibilities. Conveniently located between Elkhart and Mishawaka. Waterfront living on 1.1 acres for under $335,000 is a rare find—don't miss this opportunity to make the river your backyard.

56040 River Heights, Elkhart

Listing courtesy of Wilma McDougle from McKinnies Realty, LLC Elkhart. Cell: 574-612-3252

$522,900

4 Beds ⋅ 1 Baths ⋅ 202621006 MLS ⋅ 3,100 SqFt. ⋅ Vanessa Ritsema

Welcome to the diamond on Heaton Lake! Completely custom remodeled in 2019 from the exterior to the interior, this stunning tri-level home on a double lot offers the perfect blend of comfort, style, and peaceful waterfront living. From the moment you step into the front foyer, you’ll be captivated by the soaring vaulted ceilings and breathtaking views of Heaton Lake, perfectly showcased by the dramatic floor-to-ceiling stone fireplace in the main living area. The beautifully updated kitchen and dining space create the perfect chef’s retreat, featuring stainless steel appliances, a touchscreen refrigerator, stone backsplash, and a spacious eat-in area ideal for entertaining or everyday living. Just off the kitchen, you’ll also find main-floor laundry with washer & dryer on storage pedestals and two generously sized bedrooms. Upstairs, the private primary bedroom offers a true escape with dual closets and its own private balcony overlooking the water—perfect for enjoying your morning coffee, watching wildlife, or simply taking in the peaceful surroundings. An additional upstairs bedroom overlooks the main living space below and would make an ideal home office, reading nook, or creative retreat. The lower level provides even more living space with an additional family room, sunroom, extra storage, and sliding glass doors leading directly to your backyard oasis. Outside, enjoy multiple outdoor entertaining areas including three separate decks, a gazebo, pergola, and beautifully positioned lake views that make every season feel like a getaway. So, what are you waiting for?

22618 Lake Shore Drive, Elkhart

Listing courtesy of Vanessa Ritsema from McKinnies Realty, LLC. Cell: 574-335-9022

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IDX information is provided by the Indiana Regional MLS and is exclusively for the 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. Data is deemed reliable but is not guaranteed accurate by the MLS.

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