Andy Kern

840 Lane 120

Hamilton, IN
$ 129,900 Beds 1 Baths 1 Sq 712 Virtual Tour
Monthly Estimate* How much can I afford?

Welcome to this beautifully updated 1-bedroom, 1-bath summer cottage located in the highly sought-after Cold Springs community. Move-in ready and being sold fully furnished, this charming getaway features a new 5-inch well, newer metal roof, updated 100-amp electrical service, and a freshly painted exterior. Whether you're looking for a weekend retreat, seasonal escape, or a place to create lasting family memories, this cottage is ready for its next owners to enjoy for years to come. Dock rentals are available, providing easy access to the all-sports lake, where boating, skiing, tubing, fishing, and endless days on the water await. Cold Springs is a private lakeside community known for its relaxed lifestyle and strong sense of community. Residents enjoy cruising by golf cart to the beach, parks, golf course, dance hall, restaurants, and local attractions. One of the area's greatest features is its golf-cart-friendly atmosphere. Everything you need is accessible by car, boat, or golf cart, including waterfront restaurants, parks, entertainment, and shopping. The historic Cold Springs Hotel is a local favorite, offering great food, live music, and a welcoming lakeside atmosphere. Experience the ultimate lake lifestyle where weekends feel like a vacation, neighbors become friends, and there's truly no reason to leave the lake. Just arrive, relax, and start making memories.

Single Family

  • Price
  • $ 129,900
  • City
  • Hamilton
  • Bedrooms
  • 1
  • Full Bathrooms
  • 1
  • County
  • STEUBEN
  • Half Bathrooms
  • 0
  • Area
  • Otsego
  • Lot Size
  • 0.039 Acres
  • Zip
  • 46742
  • Sqr Footage
  • 712
  • Year Built
  • 1927
  • Taxes
  • $ 713
  • Style
  • Site-Built Home
  • MLS#
  • 202621702
Listed By: Lindsay Walker-Moore with Century 21 Bradley-Lake Group; Cell: 260-243-6649
Data Source: Indiana Regional MLS (IRMLS)

Features

General

Sewer City
Heating Wall Heater
Kitchen Level Main
Cooling Window
Laundry Y/N N/A
Fireplaces No
Status Active
Full Baths 1
Bathrooms 1
Year Built 1927
New Construction No
Subdivision Cold Springs Cottage Park
Style One Story
Township Otsego
Class RESIDENTIAL
Type Site-Built Home
Age 99
FIPS Code 18151
Associated Document Count 3
REO No
Status Active
Auction Y/N No
Common Amenities Golf Course
Dining Room Level Main
Annual Taxes 713.5
Area Steuben County
High School Hamilton
City Hamilton
School District Hamilton Community
Assoc. Dues Frequency Not Applicable
Other Fee Description Land Lease
Other Fees $ 1890.04
Other Fees Frequency Annually
Total Sq Ft 712
Elementary School Hamilton
Middle School Hamilton
Legal Description COLD SPRINGS ON LEASED GROUND #353
Virtual Tour https://www.propertypanorama.com/instaview/irmls/202621702
Agent First Name Lindsay
Agent Last Name Walker-Moore
DOM 97
Tax Year 2025 pay 2026

Interior Features

Basement Crawl,Outside Entrance
Kitchen Length 9
Kitchen Width 5
Beds 1
Total Rooms 2
Dining Room Length 15
Dining Room Width 9
Fireplace None
Living Room Width 10
Living Room Length 19
Full Baths Main 1
Total Finished SqFt 712
Basement Y/N No
Above Grade Bedrooms 1
1st Bedroom Level Main
1st Bedroom Width 9
Above Grade Finished SqFt 712
Extra Room Description walk way
Extra Room Length 5
Extra Room Width 12
Living/Great Rm Level Main

Exterior Features

Exterior Wood
Pool No
Lot Size Area 1699
Lot Dimensions 29x63
Lot Description Slope
Fence None
Water Features Pier/Dock Available
Well Type Private
Approx. Lot Size Acres 0.039
ROOF MATERIAL Metal
Waterfront Y/N No
Garage Y/N No

Amenities

  • Foreclosure
  • Views
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the South Bend, IN office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Hamilton Elementary School
Middle School Hamilton Middle School
High School Hamilton High School

Price History

6/5/2026 Listed $134,900
8/21/2026 4% - $129,900

Property vs Zip Code Average in 46742

Price
AVG $690K
$130K
Taxes
AVG $4,249
$713
Year Built
AVG 1969
1927
Visits
AVG 128
72
Data Provided by Inside Real Estate®

In The Neighborhood

Areas That We Cover

840 Lane 120 Hamilton, IN is a Single Family Home for sale at $129900 with 712 sqft and a lot size of 0.039 Acres Acre(s). 840 Lane 120 Hamilton has 1 bedrooms, 1 baths and was built in 1927. The property's zip code is 46742 which is in Hamilton, IN

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided 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.

Andy Kern

Andy Kern

Broker Associate

574-386-4479

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