See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

5998 Bear Creek Rd, Morgantown, IN, 46160

4beds
3baths
4,508sqft
$1,100,000
$244price/sqft
$7,370/moest. monthly cost
$294,800/yrincome needed

About This Home

Cliff Creek Cabin tourist rental is approved for 10 guests and sits high on a cliff overlooking a meandering creek, rolling countryside and a horse barn with fenced-in pasture. Whether you're sipping morning coffee on one of the 3 decks, casting a line into the lake, or relaxing in the hot tub under the stars, you'll feel worlds away-yet you're just minutes from downtown Nashville and just over an hour to the Indianapolis airport. This 3-story cabin blends rustic charm with thoughtful design. Cathedral ceilings and an adobe-style fireplace lead to an open kitchen featuring granite countertops, a built-in butcher block, and a walk-in pantry. This opens to a dining area and patio doors which flow onto a wraparound deck, featuring a large hot tub and beautiful panoramic views. The Italian style main level bathroom offers a garden tub and is conveniently located near the main level bedroom. Upstairs, 2 generously sized bedrooms provide comfortable retreats, each with warm natural light, sitting areas, and an oversized bathroom with a garden tub and dual-head walk-in shower. Enter the finished walkout basement to find multiple spaces: a family room, game room with pool table, and a lounge area by a Brown County stone fireplace. Doors open to a lower deck, connecting to the upper decks for seamless indoor-outdoor living. One bedroom, a full bath, and a laundry room complete this space. Attached is a two-car garage. This property includes a 4 stall horse barn complete with water, electric and a fenced-in pasture, as well as horse and hiking trails that run throughout the property, including the original stagecoach trail from Chicago to Louisville. Water features include a small wildlife pond, creeks overflowing with geodes, and a spring fed fishing lake. The lake is stocked with varieties of bluegill and bass and has two docks: a large fishing dock and a zip line running dock for lots of summer fun! Offered turnkey, Cliff Creek Cabin is ready to welcome guests.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

4/10
6/10
Brown County Junior HighGrades 6-87.7 mi
5/10
Brown County High SchoolGrades 9-127.7 mi

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Block
  • Construction materials: Log

Type & Style

  • Home type: SingleFamily
  • Architectural style: Log
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Gas Cooktop,Dishwasher,Microwave,Refrigerator,Trash Compactor

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Walk-Out Access

Bedroom2

  • Level: Upper
  • Area: 240
  • Dimensions: 12x20

Bedroom3

  • Level: Upper
  • Area: 340
  • Dimensions: 20x17

Bedroom4

  • Level: Basement
  • Area: 210
  • Dimensions: 14x15

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Features: Tile-Ceramic
  • Level: Main
  • Area: 273
  • Dimensions: 21x13

Family Room

  • Level: Basement
  • Area: 420
  • Dimensions: 20x21

Features

  • Breakfast Bar,Cathedral Ceiling(s),Kitchen Island,Ceiling Fan(s),High Speed Internet,Pantry,Walk-In Closet(s)
  • Number of fireplaces: 2
  • Fireplace features: Basement,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,813

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,508
  • Total interior livable area: 4,508 sqft

Kitchen

  • Features: Tile-Ceramic
  • Level: Main
  • Area: 204
  • Dimensions: 17x12

Laundry

  • Level: Basement
  • Area: 120
  • Dimensions: 10x12

Living Room

  • Features: Tile-Ceramic
  • Level: Main
  • Area: 544
  • Dimensions: 34x16

Master Bedroom

  • Level: Main
  • Area: 240
  • Dimensions: 12x20

Play Room

  • Level: Basement
  • Area: 496
  • Dimensions: 16x31

Property

Details

  • Parcel number: 070319400115001002
  • Horse amenities: Barn,Pasture,Riding Trail,Stable(s)

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Deck
  • Exterior features: Balcony,Fire Pit
  • Has spa: Yes
  • Spa features: See Remarks
  • Fencing: Fenced,Gate
  • Has view: Yes
  • View description: Creek/Stream,Pasture,Trees/Woods
  • Has water view: Yes
  • Water view: Creek/Stream

Lot

  • Lot size: 17.20 Acres
  • Features: Rural - Not Subdivision,Mature Trees,Wooded

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Ice Storm
Strong Wind
Tornado
Winter Weather
Inland Flooding
Lightning

FEMA Declared Disasters Across Indiana Counties

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $5,562$66,744
Home Insurance *$614$7,368
Property Taxes $781$9,372
Electricity $413$4,958
Total$7,370$88,440
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$252,685/yr
40% on housing$221,100/yr
45% on housing$196,533/yr

Indiana FAIR Plan Programs

Indiana Basic Property Insurance Underwriting Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 810Commercial: 30
Total Premiums$1.77M
Total Exposure$1.82M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$244This listing

vs Other Active Listings

Avg $/sqft

ZIP 46160$188
Brown County$231

vs Homes Sold Last Month

Median $/sqft

ZIP 46160$173
Brown County$201

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-01-08Price change$1,100,000
2025-10-15Listed for sale$1,250,000
2015-04-10Sold$215,000
2012-02-20Sold$215,000
2011-05-19Sold$321,302

For Sale by Agent

AgentPhillip Shively
BrokerageCarpenter Hills O'Brown

Similar Homes