# 865 E Water Street, Berne, IN 46711-1612

> **TL;DR:** 3bd/2ba single family, $177,900 ($146/sqft), built 1977, 1,218 sqft.
> A/C, 2-car garage. Est. $952/mo. Listed 33 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $177,900 |
| Price/sqft | $146 |
| Bedrooms | 3 |
| Bathrooms | 1 full, 1 half |
| Square Feet | 1,218 |
| Year Built | 1977 |
| Lot Size | 9,148 sqft (0.21 acres) |
| Stories | 1 |
| Garage | 2-car |
| Property Type | Single Family (Other) |
| Status | Active |
| Days on Market | 33 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $900 |
| Estimated Insurance | $52 |
| **Total** | **$952** |

## Nearby Schools

- **Elementary:** South Adams
- **Middle:** South Adams
- **High:** South Adams

## Key Amenities

- A/C
- 2-car garage

## Property Highlights

- Built in 1977
- 0.21 acre lot

## Description

### Agent Description
Welcome to this well-maintained 3-bedroom, 1.5-bath ranch offering 1,218 sq. ft. of comfortable one-level living on a 0.20-acre lot. Step inside to a bright and inviting living room with wood-look flooring that flows throughout much of the home. The spacious kitchen features plenty of cabinet and counter space, a center island, gas range, stainless steel appliances, recessed lighting, and an adjoining dining area with access to the backyard and deck. Enjoy three comfortable bedrooms, ceiling fans, and a functional layout designed for everyday living. Outside, mature trees provide plenty of shade while the backyard and deck offer a great place to relax, entertain, or enjoy the open views. Additional highlights include an attached 2-car garage, brick exterior, and metal roof. Conveniently located in Berne, this charming ranch is ready for its next owner. Schedule your showing today!

## Location

- **Address:** 865 E Water Street, Berne, IN 46711-1612
- **County:** Adams County
- **Coordinates:** 40.65919, -84.940284
- **Google Maps:** https://www.google.com/maps?q=40.65919,-84.940284

## Virtual Tour & Media

- **Video Tour:** https://www.propertypanorama.com/instaview/irmls/202640180

## Listing Agent

- **Name:** Cecilia Espinoza
- **Brokerage:** Realty of America LLC
- **Broker Phone:** 3174201181

## Photos

![865 E Water Street - Photo 1](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f4283537476r.jpg)

![865 E Water Street - Photo 2](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f4083815644r.jpg)

![865 E Water Street - Photo 3](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f3663926884r.jpg)

![865 E Water Street - Photo 4](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f339587261r.jpg)

![865 E Water Street - Photo 5](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f3943907413r.jpg)

![865 E Water Street - Photo 6](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f224435927r.jpg)

![865 E Water Street - Photo 7](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f3061107832r.jpg)

![865 E Water Street - Photo 8](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f3375144207r.jpg)

![865 E Water Street - Photo 9](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f2824645799r.jpg)

![865 E Water Street - Photo 10](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f2529105249r.jpg)

![865 E Water Street - Photo 11](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f1697009621r.jpg)

![865 E Water Street - Photo 12](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f2867159005r.jpg)

![865 E Water Street - Photo 13](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f1161716978r.jpg)

![865 E Water Street - Photo 14](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f3794047681r.jpg)

![865 E Water Street - Photo 15](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f315630998r.jpg)

![865 E Water Street - Photo 16](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f1559893912r.jpg)

![865 E Water Street - Photo 17](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f3730349985r.jpg)

![865 E Water Street - Photo 18](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f3936991100r.jpg)

![865 E Water Street - Photo 19](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f4087317185r.jpg)

![865 E Water Street - Photo 20](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f802331865r.jpg)

![865 E Water Street - Photo 21](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f3838969368r.jpg)

![865 E Water Street - Photo 22](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f192883178r.jpg)

![865 E Water Street - Photo 23](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f2185377179r.jpg)

![865 E Water Street - Photo 24](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f702568785r.jpg)

![865 E Water Street - Photo 25](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f2073004212r.jpg)

![865 E Water Street - Photo 26](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f2393223068r.jpg)

![865 E Water Street - Photo 27](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f1423551160r.jpg)

![865 E Water Street - Photo 28](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f2431617162r.jpg)

![865 E Water Street - Photo 29](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f1491889579r.jpg)

![865 E Water Street - Photo 30](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f1907287983r.jpg)

![865 E Water Street - Photo 31](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f1645402501r.jpg)

![865 E Water Street - Photo 32](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f4117153250r.jpg)

![865 E Water Street - Photo 33](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f3147581927r.jpg)

![865 E Water Street - Photo 34](http://lh.rdcpix.com/dfa4955fd7d89035e5d038376b6301d5l-f843482879r.jpg)

---

**MLS#:** 202640180 | **Updated:** 2026-10-22
**Source:** listhub

*Copyright © 2026 Upstate Alliance of REALTORS® Multiple Listing Service, Inc. 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://staging.propertysimple.ai/listing/865-e-water-street-berne-in-46711-1612-cf49968fd4c340d199b62891c999db2b)

---

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