Clay Homes with Waterfront-Level Bank Lot description

Welcome to the charming township of Clay, nestled in the heart of St. Joseph County, Indiana, just a stone's throw from the vibrant city of South Bend. This picturesque community is known for its serene landscapes, friendly atmosphere, and a rich tapestry of local culture that makes it a desirable place to call home.

One of the standout features of Clay is its stunning waterfront properties, offering homes with bank lots that provide direct access to tranquil waterways. Imagine waking up to the soothing sounds of nature, with picturesque views of the water right from your backyard. These waterfront-level bank lots not only enhance the beauty of your home but also offer endless opportunities for recreational activities like fishing, kayaking, or simply enjoying a peaceful evening by the water.

The homes in Clay are designed to harmonize with the natural surroundings, boasting spacious layouts, modern amenities, and outdoor living spaces that invite you to embrace the outdoors. Whether you are looking for a cozy cottage or a grand family estate, you will find a variety of options that cater to your lifestyle.

Clay is also conveniently located near South Bend, providing easy access to shopping, dining, and entertainment while maintaining the tranquility of a suburban setting. With excellent schools, parks, and community events, this township is perfect for families and individuals alike, making it a wonderful place to plant your roots. Discover the charm of Clay and the allure of waterfront living—your dream home awaits!

Newest Clay Homes with Waterfront-Level Bank Lot description

$865,000

4 Beds ⋅ 5 Baths ⋅ 202629255 MLS ⋅ 3,784 SqFt. ⋅ Anita Corne

Start Showing Date: 8/10/2026 Listed at $865,000 | Coming Soon (Showings Begin August 10, 2026)Welcome to 408 W Prancer N Drive | Christmas Lake Village, Santa Claus, INRare opportunity to own a custom-built, one-owner lakefront home situated on a prime double lot along the pristine waters of Christmas Lake! Offering sweeping, panoramic views and direct water access complete with its own private dock, this exceptional residence combines classic charm with spacious, versatile living.Featuring 4 spacious bedrooms and 4.5 baths, this home is designed to showcase its stunning natural surroundings. Beautiful bay windows fill the main living areas with natural light, while the light-filled 4-seasons sunroom provides the perfect retreat to take in peaceful lake views year-round.Spacious Interior with finished lower-level living space. Wait until you see the incredible custom bar with cherry finishes. Special Details: Classic bay windows, custom touches, a 4-seasons sunroom, and a dedicated workshop space.Convenience: 2-car attached garage with extra room for storage.Community Amenities: Enjoy everything Christmas Lake Village has to offer, including lake access, swimming pool, tennis courts, playground, and putting green and an 18 hole golf course and club house.Don't miss this one-of-a-kind waterfront estate in Santa Claus! Mark your calendar—showings officially begin on August 10, 2026.

408 W Prancer N Drive, Santa Claus

Listing courtesy of Anita Corne from F.C. TUCKER EMGE. Office: 812-853-3381

$995,000

5 Beds ⋅ 4 Baths ⋅ 202617424 MLS ⋅ 5,352 SqFt. ⋅ Kara Hinshaw

Welcome to lakefront living in Evergreen Subdivision, where generous space, beautiful views, and thoughtful updates come together on Christmas Lake. Situated on a desirable flat lakefront lot with a private dock, this 5-bedroom, 3.5-bath ranch offers over 5,300 square feet of living space, including a huge walkout basement designed for entertaining, storage, hobbies, and flexible living. The main level features 9-foot ceilings, new flooring, fresh paint, and an inviting open floor plan connecting the great room, kitchen, and breakfast nook. The great room offers a gas fireplace and lake views, while the kitchen includes Corian countertops, Aristocraft cabinetry, an island overlooking the living space, and appliances that remain with the home. A formal dining room near the front entry adds an elegant space for gatherings, and the TV/den with double French doors offers a great option for a home office, media room, or quiet retreat. The spacious primary suite is located on the main floor and features two walk-in closets, a large bathroom with double sinks, and a tiled shower. Three additional bedrooms, a full bath, a half bath, and a large laundry room with cabinetry complete the main level. The walkout basement offers incredible flexibility with a wide-open entertaining area, an additional bedroom, full bath, craft room with cabinetry, and excellent storage. The craft room was designed with future possibilities in mind and could potentially be converted into additional bedrooms or used as part of a mother-in-law suite, with cabinetry and water/sewer nearby. An unfinished workshop/storage area and additional furnace room storage provide even more function. Outdoor living is just as impressive with a covered deck upstairs, covered patio below, level backyard, private dock, and beautiful Christmas Lake views from nearly every angle. With its lakefront setting, remodeled interior, whole-home speaker system, and rare combination of space and usability, this home is ready to enjoy both inside and out.

455 W Evergreen Plaza, Santa Claus

Listing courtesy of Kara Hinshaw from Key Associates Signature Realty. Cell: 812-686-3268

$1,649,500

5 Beds ⋅ 4 Baths ⋅ 202534323 MLS ⋅ 6,101 SqFt. ⋅ Kara Hinshaw

Stunning Lakefront Retreat on Lake Noel. Welcome to this 100% remodeled showplace on a corner lot overlooking Lake Noel. This home combines luxury finishes, thoughtful design, and incredible indoor-outdoor living spaces. Step inside the open floor plan, where the kitchen is the true centerpiece—featuring granite countertops, upgraded appliances, a massive island, and abundant pantry storage. The kitchen flows seamlessly into the main living areas, including a vaulted great room with floor-to-ceiling windows overlooking the lake and a stone fireplace that extends from floor to ceiling, shared with the incredible outdoor living room. The 18x25 covered outdoor space includes a cozy living area, a fully equipped outdoor kitchen with a Green Egg, built-in grill, sink, microwave, ice maker, beverage refrigerator, trash/recycle bins, and storage drawers—all overlooking the sparkling fiberglass pool and lake. The main-level primary suite is a retreat of its own, with direct access to the laundry room and a dream walk-in closet the size of a bedroom, complete with a secret door from the office. The spa-like primary bath includes a soaking tub and custom tiled shower. Two additional bedrooms or offices complete the main floor. Upstairs, you’ll find two spacious bedrooms and a full bath. The finished basement offers incredible flexibility—currently set up as a game room but also perfect for a private mother-in-law suite with its own bedroom, kitchen, and family room. A convenient elevator connects the main floor to the basement, where you’ll also find a storage garage. Outside, enjoy professional landscaping, a circular driveway with ample parking, a storage shed, and endless views of Lake Noel. This property is a rare find, combining luxury, functionality, and resort-style amenities in one unforgettable package. Geothermal heat and air.

707 W Shepherds Lane, Santa Claus

Listing courtesy of Kara Hinshaw from Key Associates Signature Realty. Cell: 812-686-3268

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IDX information is provided by the Indiana Regional MLS and is exclusively for the 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. Data is deemed reliable but is not guaranteed accurate by the MLS.

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