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4693 S Livia Dr, Bloomington, IN, 47401

5beds
5baths
3,329sqft
$899,000
$270price/sqft
$5,809/moest. monthly cost
$232,360/yrincome needed

About This Home

This beautiful Amber Ridge custom brick home on Bloomington’s south side was carefully crafted by Stephens Construction. This tasteful home on an over 1 acre site rests on a quiet cul-de-sac and has beautiful east, south and west light for a sunny disposition. This pampered home has a side load three car garage, beautiful decorative fencing in the backyard, and a wonderful walkout lower level that is partially finished and includes ample off-season storage. Great design features of this stunning home include a two-story gallery overlook, hardwoods, coffered ceilings and an entertaining kitchen with beautiful quartz counters, island with prep sink and scullery kitchen. There is a formal dining room and study/music room on the main level plus a full bath and secondary bedroom for convenience. The grand stair invites natural light and leads to the large upper level with four additional bedrooms and a study. All of the upper level bedrooms are en suite and have great walk-in closets. The primary suite is generously scaled and has a spa bath with ceramic shower, soaking tub, vaulted ceiling, and a walk-in dressing room with custom organizers. This pampered home with five bedrooms, one study and five full bathrooms has three great levels of living space. Amber Ridge is conveniently located near Indiana University, College Mall, and Bloomington‘s cultural activities

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
35
BikeSomewhat Bikeable

Schools

7/10
Binford Elementary SchoolGrades PK-63.5 mi
8/10
10/10

Construction

Condition

  • Year built: 2011

Materials

  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Range/Oven Hook Up Gas
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access

Bedroom1

  • Level: Main

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 5
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 132

Features

  • Bookcases,Ceiling-9+,Ceiling Fan(s),Walk-In Closet(s),Countertops-Solid Surf,Entrance Foyer,Soaking Tub,Pantry,Double Vanity,Stand Up Shower,Tub and Separate Shower,Tub/Shower Combination,Formal Dining Room
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 51
  • Finished area above ground: 3,278

Heating & Cooling

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

Interior Area

  • Total structure area: 5,009
  • Total interior livable area: 3,329 sqft

Kitchen

  • Level: Main
  • Area: 195

Living Room

  • Level: Main
  • Area: 255

Property

Details

  • Parcel number: 530822400006.205008

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Covered

Lot

  • Lot size: 1.10 Acres
  • Features: Irregular Lot

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Tornado
Winter Weather
Cold Wave
Hail
Heat Wave
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 $4,545$54,540
Home Insurance *$394$4,728
Property Taxes $565$6,780
Electricity $305$3,662
Total$5,809$69,708
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$199,165/yr
40% on housing$174,270/yr
45% on housing$154,906/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

$270This listing

vs Other Active Listings

Avg $/sqft

ZIP 47401$170
Monroe County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 47401$176
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
2026-02-26Listed for sale$988,000
2010-11-23Sold$605,000

For Sale by Agent

AgentJeff Franklin
BrokerageFC Tucker/Bloomington REALTORS

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