# 22055 State Road 120, Elkhart, IN 46516 > **TL;DR:** 3bd/2ba single family, $349,900 ($171/sqft), built 1963, 2,048 sqft. > Solar, Waterfront, A/C, 1-car garage. Est. $1,871/mo. Listed 96 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $349,900 | | Price/sqft | $171 | | Bedrooms | 3 | | Bathrooms | 2 full | | Square Feet | 2,048 | | Year Built | 1963 | | Lot Size | 18,731 sqft (0.43 acres) | | Stories | 1 | | Garage | 1-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 96 | ## Why This Home Stands Out - **Solar Panels** - Solar panels listed - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,769 | | Estimated Insurance | $102 | | **Total** | **$1,871** | ## Nearby Schools - **Elementary:** East Side - **Middle:** Concord - **High:** Concord ## Key Amenities - Solar - Waterfront - A/C - 1-car garage ## Property Highlights - Built in 1963 - 0.43 acre lot - Waterfront ## Description ### Agent Description **Motivated Seller** 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. ## Location - **Address:** 22055 State Road 120, Elkhart, IN 46516 - **County:** Elkhart County - **Coordinates:** 41.702164, -85.889642 - **Google Maps:** https://www.google.com/maps?q=41.702164,-85.889642 ## Virtual Tour & Media - **Video Tour:** https://www.propertypanorama.com/instaview/irmls/202630193 ## Listing Agent - **Name:** Amanda Ramundo - **Brokerage:** Model Real Estate LLC - **Broker Phone:** 5749715645 ## Photos ![22055 State Road 120 - Photo 1](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f3766224555r.jpg) ![22055 State Road 120 - Photo 2](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f1520932487r.jpg) ![22055 State Road 120 - Photo 3](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f496288162r.jpg) ![22055 State Road 120 - Photo 4](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f2103850942r.jpg) ![22055 State Road 120 - Photo 5](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f687331457r.jpg) ![22055 State Road 120 - Photo 6](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f3633725536r.jpg) ![22055 State Road 120 - Photo 7](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f2462744667r.jpg) ![22055 State Road 120 - Photo 8](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f1940289238r.jpg) ![22055 State Road 120 - Photo 9](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f2988147334r.jpg) ![22055 State Road 120 - Photo 10](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f1349109080r.jpg) ![22055 State Road 120 - Photo 11](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f1871643312r.jpg) ![22055 State Road 120 - Photo 12](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f1068108396r.jpg) ![22055 State Road 120 - Photo 13](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f1072891281r.jpg) ![22055 State Road 120 - Photo 14](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f3418985314r.jpg) ![22055 State Road 120 - Photo 15](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f1047935771r.jpg) ![22055 State Road 120 - Photo 16](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f3465499573r.jpg) ![22055 State Road 120 - Photo 17](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f3562695265r.jpg) ![22055 State Road 120 - Photo 18](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f834053858r.jpg) ![22055 State Road 120 - Photo 19](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f4053182842r.jpg) ![22055 State Road 120 - Photo 20](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f2129803005r.jpg) ![22055 State Road 120 - Photo 21](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f461846410r.jpg) ![22055 State Road 120 - Photo 22](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f2547614893r.jpg) ![22055 State Road 120 - Photo 23](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f3787340926r.jpg) ![22055 State Road 120 - Photo 24](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f2410386580r.jpg) ![22055 State Road 120 - Photo 25](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f1586307240r.jpg) ![22055 State Road 120 - Photo 26](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f1408834618r.jpg) ![22055 State Road 120 - Photo 27](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f3692402210r.jpg) ![22055 State Road 120 - Photo 28](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f3614750697r.jpg) ![22055 State Road 120 - Photo 29](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f3841238368r.jpg) ![22055 State Road 120 - Photo 30](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f783120867r.jpg) ![22055 State Road 120 - Photo 31](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f3369018058r.jpg) ![22055 State Road 120 - Photo 32](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f2294980111r.jpg) ![22055 State Road 120 - Photo 33](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f2593503911r.jpg) ![22055 State Road 120 - Photo 34](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f2329669289r.jpg) ![22055 State Road 120 - Photo 35](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f949670211r.jpg) ![22055 State Road 120 - Photo 36](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f2414786915r.jpg) ![22055 State Road 120 - Photo 37](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f3121952181r.jpg) ![22055 State Road 120 - Photo 38](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f274907509r.jpg) ![22055 State Road 120 - Photo 39](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f3558729414r.jpg) ![22055 State Road 120 - Photo 40](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f2871626246r.jpg) ![22055 State Road 120 - Photo 41](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f1762622401r.jpg) ![22055 State Road 120 - Photo 42](http://lh.rdcpix.com/1de1e4c6e1141d5a57c45f271f74c45al-f3833594470r.jpg) --- **MLS#:** 202630193 | **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/22055-state-road-120-elkhart-in-46516-d8a861b1de4342c48e2a8f02ea28c678) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/22055-state-road-120-elkhart-in-46516-d8a861b1de4342c48e2a8f02ea28c678#listing", "url": "https://www.propertysimple.ai/listing/22055-state-road-120-elkhart-in-46516-d8a861b1de4342c48e2a8f02ea28c678", "name": "22055 State Road 120, Elkhart, IN 46516", "description": "**Motivated Seller** 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. 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