20870 N River Ridge Dr

4,680 Sq. Ft.
$196 / Sq. Ft.
4,680
Sq. Ft.
$196
per Sq. Ft.

Description

A rare opportunity to own a beautifully updated riverfront retreat offering 120 feet of frontage and sweeping views along the Upper St. Joseph River. The main level features a stunning custom kitchen with stainless steel appliances and high-quality finishes. The primary suite is a peaceful retreat with a spa-inspired bath, dual vanities, stand-up shower, jetted tub, and a generous walk-in closet. The walkout lower level provides incredible versatility with a full second kitchen, family room with...A rare opportunity to own a beautifully updated riverfront retreat offering 120 feet of frontage and sweeping views along the Upper St. Joseph River. The main level features a stunning custom kitchen with stainless steel appliances and high-quality finishes. The primary suite is a peaceful retreat with a spa-inspired bath, dual vanities, stand-up shower, jetted tub, and a generous walk-in closet. The walkout lower level provides incredible versatility with a full second kitchen, family room with fireplace, office, recreation space, and additional bedrooms—ideal for guests or multi-generational living. The 2 heated attached garages offer ample space for 6 vehicles. Outdoor living shines with a sweeping deck overlooking the river, steel seawall, and a grandfathered boathouse with expansive patio. Updates include a newer roof, mechanicals and a whole-house generator providing peace of mind.
  1. Listed by Wendy Echartea • Berkshire Hathaway HomeServices Elkhart • Office: 574-293-1010

Property Details for 20870 North River Ridge Drive

Style
One Story
Architectural Style
French Provincial
Subdivision
None
Waterfront
Yes
Garage/Number Of Cars
6
LISTING UPDATED: 03/03/2026 01:45 PM

Property Details for 20870 North River Ridge Drive

StatusSold
MLS #202600272
Days on Market40
Taxes$7,779 / year
HOA Fees$750 / year
Condo/Co-op Fees-
Property TypeSingle Family
MLS TypeResidential / Site-Built Home
Year Built2000
Lot Size0.60 AC / 26,005 SF
CountyElkhart County

Location

Listing Courtesy of Berkshire Hathaway HomeServices Elkhart

Sold By eXp Realty, LLC

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Building Information for 20870 North River Ridge Drive

Stories-Year Built2000Building Size-Lot Size0.60 AC / 26,005 SF

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$5,285 per month

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Principal and Interest

$4,574

Property Taxes

$648

HOA Dues

$63

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Property Information for 20870 North River Ridge Drive

Summary
Location and General Information
  • Area: Elkhart County
  • City: Bristol
  • Zip Code: 46507
  • State: IN
  • Township: Washington
  • Geo Latitude: 42
  • Geo Longitude: -86
  • Fips Code: 18039
  • Directions To Property: Head East from CR 17 and Bristol St. (CR 8) (North side of Bridge) 2 miles down the street on the right. Turn Right on N. River Ridge.
  • Sea Wall Type: Steel
  • Water Frontage: 120.0
Taxes and HOA
  • Annual Taxes: $7,779
  • Association Dues $: $750.00
  • Assoc Dues Frequency: Annually
  • Year Taxes Payable: 2026
  • Parcel Number Id: 20-03-29-351-010.000-030
School Information
  • School District: Elkhart Community Schools
  • Elementary: Eastwood
  • Middle School: Pierre Moran
  • High School: Elkhart
Parking
  • Garage Length: 50.0
  • Garage Width: 40.0
  • Garage: Yes
  • Garage Type: Attached
Property
Lot Information
  • Class: RESIDENTIAL
  • Property Subtype: Site-Built Home
  • Approx Lot Size Acres: 0.597
  • Lot Dimensions: 130 x 200
  • Below Grade Unfin Sqft: 0.0
  • Total Square Feet: 5797.0
  • Approx Lot Size Sqft: 26005.0
  • Above Grade Finished Sqft: 2340.0
  • Below Grade Finished Sqft: 2340.0
  • Total Below Grade Sqft: 2340.0
  • Total Finished Sqft: 4680.0
  • Garage Square Feet: 2000.0
  • Above Grade Unfin Sqft: 1117.0
  • Lot Description: Cul-De-Sac, Waterfront
Property and Assessments
  • New Construction: No
  • Year Built: 2000
  • Age: 26
  • Planned Unit Development: No
Utilities
  • Water Type: River
  • Water Access: Riverfront
  • Water Name: St. Joe River Upper
  • Water Utility: Well
  • Well Type: Private
  • Sewer: Septic
Interior and Exterior Features
Exterior Features
  • Amenities: Attic-Walk-up, Balcony, Ceiling-9+, Ceiling Fan(s), Closet(s) Walk-in, Countertops-Stone, Deck on Waterfront, Detector-Smoke, Disposal, Eat-In Kitchen, Fire Sprinkler System, Foyer Entry, Garage Door Opener, Generator Built-In, Generator-Whole House, Irrigation System, Patio Open, Pocket Doors, Twin Sink Vanity, Stand Up Shower, Tub/Shower Combination, Main Level Bedroom Suite, Bidet, Formal Dining Room, Garage-Heated, Main Floor Laundry, Sump Pump
  • Driveway: Pavers
  • Exterior: Brick, Shingle, Vinyl
  • Outbuilding 1: None
  • Platted: Yes
  • Pool: No
  • Roof Material: Shingle
Interior Features
  • Number of Fireplaces: 2
  • Basement Material: Poured Concrete
  • Basement: Yes
  • Basement/Foundation: Full Basement, Walk-Out Basement, Finished, Outside Entrance
  • Cooling: Central Air
  • Fireplace: Living/Great Rm, Rec Rm, Wood Burning, Basement, Gas Starter
  • Fireplace: Yes
  • Flooring: Hardwood Floors, Carpet
  • Heating/Fuel: Gas, Forced Air
  • Number of Above Grade Bedrooms: 1
  • Number of Below Grade Baths: 2
  • Number of Below Grade Bedrooms: 3
  • Number of Full Baths Below Grade: 2
  • Number of Full Baths Main: 1
  • Number of Full Baths Upper: 0
  • Number of Half Baths Below Grade: 0
  • Number of Half Baths Main: 1
  • Number of Half Baths Upper: 0
  • Number of Total Rooms: 17
  • Total Number of Bedrooms: 4
  • Total Number of Full Baths: 3
  • Total Number of Half Baths: 1
  • Total Baths: 4
  • Total Number of Rooms Below Grade: 9
Room
Room Information
  • 1st Bedroom Length: 16.0
  • 1st Bedroom Level: Main
  • 1st Bedroom Width: 14.0
  • 2nd Bedroom Length: 14.0
  • 2nd Bedroom Level: Lower
  • 2nd Bedroom Width: 11.0
  • 3rd Bedroom Length: 16.0
  • 3rd Bedroom Level: Lower
  • 3rd Bedroom Width: 12.0
  • 4th Bedroom Length: 14.0
  • 4th Bedroom Level: Lower
  • 4th Bedroom Width: 12.0
  • Laundry Level: Main

Property History for 20870 North River Ridge Drive

DateEvent & SourcePriceAppreciation
Mar 2, 2026

Sold

Indiana Regional MLS #202600272

$918,000
Feb 14, 2026

Pending

Indiana Regional MLS #202600272

Feb 3, 2026

In Contract

Indiana Regional MLS #202600272

DateEvent & SourcePrice
03/02/2026

Sold

Indiana Regional MLS #202600272

$918,000
02/14/2026

Pending

Indiana Regional MLS #202600272

02/03/2026

In Contract

Indiana Regional MLS #202600272

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 20870 North River Ridge Drive

Taxable ValueLand$144,800Additions$820,200Total$965,000
Tax Record2024$11,733 ($978 / month)
Home Facts
Beds3Baths3.5Total Finished SqFt4,127 SqFtAbove Grade Finished SqFt2,172 SqFtFinished Basement SqFt1,955 SqFtStories1Lot Size26,005 SqFtStyleSingle Family ResidenceYear Built2000ZoningZO01CountyELKHARTAPN20-03-29-351-010.000-030Fireplace TypeHas Fireplace

Schools near 20870 North River Ridge Drive

This home is within Elkhart Community Schools.
Rating
School
Type
Grades
Distance
Public - PK to 6
Public - 7 to 8
Public - 9 to 12
Public - 9 to 12
Rating
School
Distance
Bristol Elementary School
PublicPK to 6

Pierre Moran Middle School
Public7 to 8

Elkhart High School
Public9 to 12

Elkhart Central High School
Public9 to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of Berkshire Hathaway HomeServices Elkhart

Based on information from one of the following Multiple Listing Services: MIBOR MLS,IRMLS,Southern Indiana REALTORS® Association,Southeastern Indiana Board of REALTORS. Information being provided is for the visitor’s personal, noncommercial use and may not be used for any purpose other than to identify prospective properties visitor may be interested in purchasing. The data contained herein is copyrighted by MIBOR MLS,IRMLS,Southern Indiana REALTORS® Association,Southeastern Indiana Board of REALTORS is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited. Property information referenced on this web site comes from the Internet Data Exchange (IDX) program of the MLS. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. For the avoidance of doubt, the accuracy of all information, regardless of source, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals.