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5118 N Echo Bnd, Bloomington, IN, 47404

3beds
2baths
1,902sqft
$389,900
$205price/sqft
$2,608/moest. monthly cost
$104,320/yrincome needed

About This Home

Beautifully updated ranch on a quiet cul-de-sac with peaceful wooded views! Features new flooring, an updated kitchen with white cabinets, quartz countertops, and stainless steel appliances, plus a pantry and main-level laundry. Enjoy a screened-in porch and spacious deck accessible from both the living area and owner’s primary bedroom. The fully conditioned, waterproofed, and insulated crawlspace (with new sump pump) offers incredible extra usable space. Major updates include a new roof (2023), fresh sod and grass seed, Google Nest thermostat, Smithville security system, and a hot tub for year-round enjoyment. Move-in ready and full of charm!

Getting Around

28
WalkingCar-Dependent
0
TransitNo Nearby Transit
14
BikeSomewhat Bikeable

Schools

6/10
6/10
7/10
Edgewood High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 1991

Materials

  • Roof: Shingle
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Refrigerator,Washer,Dryer-Electric,Electric Oven

Basement

  • Basement: Crawl Space

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Features

  • Flooring: Hardwood,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,902

Heating & Cooling

  • Heating features: Natural Gas,Conventional,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,902
  • Total interior livable area: 1,902 sqft

Property

Details

  • Parcel number: 530414101018.000011
  • Other equipment: Sump Pump

Features

  • Levels: One
  • Stories: 1
  • Has spa: Yes
  • Spa features: Private

Lot

  • Lot size: 0.33 Acres
  • Features: Cul-De-Sac,Few Trees

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

  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Heat Wave
Inland Flooding
Lightning
Tornado

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 $1,971$23,652
Home Insurance *$184$2,208
Property Taxes $269$3,228
Electricity $184$2,212
Total$2,608$31,296
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,417/yr
40% on housing$78,240/yr
45% on housing$69,546/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 7.5%
7.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 47404$144
Monroe County$167

vs Homes Sold Last Month

Median $/sqft

ZIP 47404$186
Monroe County$183

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
2026-05-12Price change$399,000
2026-05-01Listed for sale$410,000
2022-06-24Sold$362,500
2022-05-29Pending sale$385,000
2022-05-23Listed for sale$385,000

For Sale by Agent

AgentGrace David
BrokerageCentury 21 Scheetz - Bloomington

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