# 10416 State Road 120, Middlebury, IN 46540

> **TL;DR:** 4bd/3ba single family, $617,500 ($240/sqft), built 1986, 2,571 sqft.
> Fireplace, Waterfront, A/C, 2-car garage. Est. $3,302/mo. Listed 116 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $617,500 |
| Price/sqft | $240 |
| Bedrooms | 4 |
| Bathrooms | 2 full, 1 half |
| Square Feet | 2,571 |
| Year Built | 1986 |
| Lot Size | 159,865 sqft (3.67 acres) |
| Stories | 2 |
| Garage | 2-car |
| Property Type | Single Family (Other) |
| Status | Active Under Contract |
| Days on Market | 116 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $3,122 |
| Estimated Insurance | $180 |
| **Total** | **$3,302** |

## Nearby Schools

- **Elementary:** York
- **Middle:** Northridge
- **High:** Northridge

## Key Amenities

- Fireplace
- Waterfront
- A/C
- 2-car garage

## Property Highlights

- Built in 1986
- 3.67 acre lot
- 2 stories
- Fireplace
- Waterfront

## Description

### Agent Description
**Lakefront on 3.67 Acres - Hunter Lake!** One-owner home in popular Middlebury schools. 4 bed, 2.5 bath with wood-burning fireplace in the family room. Appliances just 2 years old. Unfinished walk-out basement is a blank slate. Enjoy lake views from the private backyard, 12x20 porch, and screened lakeside gazebo. 24x30 barn with horse stalls. Lakefront + acreage + top schools - a rare find!

## Location

- **Address:** 10416 State Road 120, Middlebury, IN 46540
- **County:** Elkhart County
- **Coordinates:** 41.725504, -85.666645
- **Google Maps:** https://www.google.com/maps?q=41.725504,-85.666645

## Virtual Tour & Media

- **Video Tour:** https://www.propertypanorama.com/instaview/irmls/202626923

## Listing Agent

- **Name:** Steve Miller
- **Brokerage:** RE/MAX Results
- **Broker Phone:** (260) 490-1590

## Photos

![10416 State Road 120 - Photo 1](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f476006835r.jpg)

![10416 State Road 120 - Photo 2](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f953129474r.jpg)

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![10416 State Road 120 - Photo 9](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f443095282r.jpg)

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![10416 State Road 120 - Photo 21](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f1504351777r.jpg)

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![10416 State Road 120 - Photo 23](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f2264859763r.jpg)

![10416 State Road 120 - Photo 24](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f1688766721r.jpg)

![10416 State Road 120 - Photo 25](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f1142454632r.jpg)

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![10416 State Road 120 - Photo 27](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f2371186176r.jpg)

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![10416 State Road 120 - Photo 30](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f3001079854r.jpg)

![10416 State Road 120 - Photo 31](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f760795736r.jpg)

![10416 State Road 120 - Photo 32](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f59039202r.jpg)

![10416 State Road 120 - Photo 33](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f914978116r.jpg)

![10416 State Road 120 - Photo 34](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f3781289814r.jpg)

![10416 State Road 120 - Photo 35](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f2237911458r.jpg)

![10416 State Road 120 - Photo 36](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f546105579r.jpg)

![10416 State Road 120 - Photo 37](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f1132436895r.jpg)

![10416 State Road 120 - Photo 38](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f4513743r.jpg)

![10416 State Road 120 - Photo 39](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f2669545831r.jpg)

![10416 State Road 120 - Photo 40](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f3293762807r.jpg)

![10416 State Road 120 - Photo 41](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f169875834r.jpg)

![10416 State Road 120 - Photo 42](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f3625997971r.jpg)

![10416 State Road 120 - Photo 43](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f277083461r.jpg)

![10416 State Road 120 - Photo 44](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f3419464184r.jpg)

![10416 State Road 120 - Photo 45](http://lh.rdcpix.com/d44231034a1c63691520bb6a2e0c84bel-f595389899r.jpg)

---

**MLS#:** 202626923 | **Updated:** 2026-10-27
**Source:** listhub

*Copyright © 2026 Elkhart County Board of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/10416-state-road-120-middlebury-in-46540-3637968e41fa4b43badffeac2bf4d31b)

---

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}
```