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$745,000
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Property Description
~~Exceptional Riverfront Retreat with 130+ Feet of Scenic Frontage~~ Discover the art of luxury living in this exceptional riverfront retreat, gracefully situated on three beautifully maintained lots and offering over 130 feet of tranquil frontage along one of the region's most picturesque waterways. Designed to balance elegance and livability, this property captures stunning views from nearly every window and invites effortless entertaining indoors and out. The home's transformation is evident in every detail, reflecting years of thoughtful design and expert craftsmanship. Extensive improvements (totaling more than $170,000) have been completed since 2011, including major renovations by the esteemed Peacock & Co. and professional landscaping by Foegley Landscape, Inc. The result is a property that feels both refined and refreshed-surrounded by lush, manicured gardens and outdoor spaces perfect for gathering with friends, or simply enjoying the peaceful rhythm of the river. Inside, the thoughtful layout exudes both warmth and functionality. The chef-inspired kitchen, remodeled by Peacock & Co., showcases stainless steel appliances, including a top-of-the-line Thermador gas range, a granite-topped breakfast bar, cherry cabinetry, travertine flooring, and a walk-in pantry, forming the true heart of the home. The main-level primary ensuite opens to the pergola covered patio with river views for an easy connection to the outdoors. The primary quarters includes a spacious walk-in closet and a spa-quality bath with heated tile flooring and towel rack, dual vanities,and a frameless steam shower designed for ultimate relaxation. In the living room, elegant design meets comfort with a gas fireplace framed in custom masonry and built-in shelving that adds both beauty and functionality. A main-floor home office provides a peaceful space for productivity or creative pursuits. Upstairs, three spacious bedrooms accompany a remodeled full bath, with one bedroom being ideal for a second living room, media space, or used as a separate living area with private access through the three-stall garage. Every detail of this home reflects thoughtful design and fine craftsmanship. With its combination of elegant interiors, sophisticated updates, and breathtaking natural surroundings, this property offers a truly remarkable riverfront lifestyle you will not want to miss! ***Current taxes shown are without a homestead exemption.***
Full Property Details
Full Property Details for 4320 Cottage Ave
General
- Price: $745,000
- Taxes: $12,136 (2025)
- Status: Active
- Type: Single Family
- Source: Indiana_Regional_MLS
- MLS ID: 202543978
- Updated: 1/2/2026
- Added to Site: 80 day(s) ago
Interior
- Number of Rooms: 9
- Number of Fireplaces: 1
- Flooring: Carpet, Tile
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 3
Exterior
- Exterior Features: Brick
- Color: Brick
Parking
- Garage: Yes
- Attached garage: Yes
- Garage Description: Attached
Location
- Subdivision: 120X150
- Driving Directions: Vistula Rd to Oakland Ave to Cottage Ave, located at end of Cottage Ave on the left.
School Information
- Elementary School: School City of Mishawaka
- Middle School: John Young
- High School: Mishawaka
Community
- Optional Amenities: 1st Bdrm En Suite, Alarm System-Security, Built-In Entertainment Ct, Ceiling Fan(s), Closet(s) Walk-in, C
Heating & Cooling
- Cooling Type: Central Air
- Heating Type: Gas, Baseboard, Floor, Hot Water, Radiant, Multiple Heating Systems
- Heating Fuel: Gas, Baseboard, Floor, Hot Water, Radiant, Multiple Heating Systems
Utilities
- Sewer: City
- Water: Saint Joseph River
Structural Information
- Architectural Style: Two Story
- Exterior Const.: Brick
- Basement Entrance: 46544
- Basement Desc.: Poured Concrete
- Roof: Asphalt, Shingle
- Finished Above Grnd: 3,187 Sq. Ft.
- Year Built: 1996
Lot Features
- Lot Size (Acres): 0.41
- Lot Size (Sq. Ft.): 18,000
- Street/Road Desc.: Riverfront
- Driveway/Sidewalk: Concrete
- Lot Description: Slope, Waterfront, 0-2.9999
Water Features
- Water Front: Yes
- Water View: Yes
- Water Access: Yes
- Water Front Type: River
- Water Front Name: Saint Joseph River
Financial Considerations
- Price Per Sq. Ft.: $233.76
- Assoc Fee Freq.: Not Applicable
- Assessment Year: 9
- Tax Amount: $12,136.3
- Tax Year: 2025
Disclosures and Reports
- Lot Number: 9
Listed by Re/Max 100, Kerrie Drury
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Schools
Schools serving 4320 Cottage Ave
School District:Mishawaka School City
| Name | Grades | Distance |
|---|---|---|
Twin Branch Elementary School 3810 Lincolnway East, Mishawaka, IN 46544 | PK-6 | 0.8 mi |
John J Young Middle School 1801 North Main Street, Mishawaka, IN 46545 | 7-8 | 3.7 mi |
Mishawaka High School 1202 Lincolnway East, Mishawaka, IN 46544 | 9-12 | 2.7 mi |
Disclaimer:
School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 4320 Cottage Ave
Date
Details
Price
Change
Source
10/29/2025
Listed
$745,000
6.43%
MLS
10/18/2023
Sold
$700,000
—
Public Record
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 4320 Cottage Ave
Year
Property Taxes
Change
Tax Assessment
Change
2024
$12,136
104%
$519,000
6%
2023
$5,956
-1%
$490,700
—
2022
$6,034
28%
$490,700
14%
2020
$4,708
7%
$431,900
11%
2019
$4,417
-19%
$389,100
7%
2018
$5,424
—
$363,800
4%
2017
$5,404
15%
$350,100
8%
2016
$4,713
—
$323,000
-2%
2016
$4,713
—
$330,300
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 4320 Cottage Ave
4320 Cottage Avenue, Mishawaka, IN 46544 (MLS# 202543978) is a Single Family property with 0 bedrooms and 3 full bathrooms. 4320 Cottage Avenue is currently listed for $745,000 and was received on October 29, 2025. Want to learn more about 4320 Cottage Avenue? Do you have questions about finding other Single Family real estate for sale in Mishawaka? You can browse all Mishawaka real estate or contact a Coldwell Banker agent to request more information.

