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3628 N Pennsylvania St, Indianapolis, IN, 46205

4beds
3baths
3,257sqft
$399,000
$123price/sqft
$2,921/moest. monthly cost
$116,840/yrincome needed

About This Home

Nestled at 3628 N Pennsylvania ST in Indianapolis, IN, this single-family residence offers a unique opportunity to own a piece of history in great condition. Built in 1910, this attractive property presents a blend of classic charm and modern convenience. The living room serves as an inviting space, anchored by a fireplace that promises warmth and ambiance during cooler months, while the vaulted ceiling enhances the sense of spaciousness and grandeur, and the crown molding introduces an element of sophisticated detail. In the kitchen, imagine preparing meals surrounded by the appealing design of shaker cabinets and a stylish backsplash, creating a space that is both functional and aesthetically pleasing. The primary bedroom provides a true retreat, complete with an ensuite bathroom offering privacy and convenience. The bathroom offers a spa-like experience with its double vanity, soaking tub, and walk-in shower, creating a serene space to unwind and rejuvenate. Step outside to discover the inviting porch and deck, perfect for enjoying morning coffee or evening relaxation, along with an outdoor living space designed for entertaining or simply savoring the fresh air. The fenced in backyard provides privacy and security with easy maintanence, while the fire pit offers a cozy gathering spot for friends and loved ones. Additional features include a laundry room for added convenience. With four stories, two full bathrooms, and one half bathroom, there is ample space for comfortable living within the 2366 square feet of living area, all situated on a 5837 square feet lot. This residence presents a remarkable opportunity to experience the best of Indianapolis living.

Getting Around

64
WalkingSomewhat Walkable
49
TransitSome Transit
62
BikeBikeable

Schools

2/10
Shortridge High SchoolGrades 9-120.3 mi
3/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1910

Materials

  • Foundation: Block
  • Construction materials: Vinyl With Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Water Heater,Gas Oven,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes

Bedroom2

  • Level: Upper
  • Area: 232.9792
  • Dimensions: 13'3"x 17'7"

Bedroom3

  • Level: Upper
  • Area: 150.9444
  • Dimensions: 11'11" x 12'8"

Bedroom4

  • Level: Upper
  • Area: 488.5208
  • Dimensions: 32'9" x 14'11"

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Main
  • Area: 217.25
  • Dimensions: 13'2"x16'6"

Features

  • Attic Stairway,Double Vanity,Hardwood Floors
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Attic: Permanent Stairs
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,257
  • Total interior livable area: 3,257 sqft

Kitchen

  • Features: Tile-Ceramic
  • Level: Main
  • Area: 161.5
  • Dimensions: 12'9"x 12'8"

Laundry

  • Level: Main
  • Area: 59.5833
  • Dimensions: 5'6"x 10'10"

Living Room

  • Level: Main
  • Area: 372.9167
  • Dimensions: 14'11" x 25

Master Bedroom

  • Level: Upper
  • Area: 183.2917
  • Dimensions: 13'3"x 13'10"

Property

Details

  • Parcel number: 490624139042000101
  • Horse amenities: None

Features

  • Levels: Three Or More
  • Patio & porch: Covered
  • Fencing: Fenced

Lot

  • Lot size: 5,662 sqft

Parking

  • Total spaces: 1
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Inland Flooding
Tornado

FEMA Declared Disasters Across Indiana Counties

Flood
Snowstorm

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 $2,017$24,204
Home Insurance *$267$3,204
Property Taxes $339$4,068
Electricity $298$3,582
Total$2,921$35,052
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$100,148/yr
40% on housing$87,630/yr
45% on housing$77,893/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: 10.6%
10.6%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 2.3%
2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$123This listing

vs Other Active Listings

Avg $/sqft

ZIP 46205$135
Marion County$125

vs Homes Sold Last Month

Median $/sqft

ZIP 46205$135
Marion County$131

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
2026-04-18Price change$420,000
2026-04-15Price change$435,900
2026-02-03Price change$439,900
2025-11-09Listed for sale$449,900
2023-06-30Sold$370,000
2023-06-23Pending sale$370,000
2023-06-11Price change$370,000
2023-06-01Listed for sale$375,000
2023-05-18Listing removed--
2023-04-19Price change$375,000
2023-03-22Price change$400,000
2023-03-03Price change$410,000
2023-01-19Price change$425,000
2022-12-03Listed for sale$450,000
2022-12-03Listing removed--
2022-11-30Price change$450,000
2022-08-11Price change$475,000
2022-07-25Price change$485,000
2022-05-28Listed for sale$500,000
2013-05-23Sold$56,050

For Sale by Agent

AgentErica Scott
BrokerageEver Real Estate, LLC

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