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12428 Winding Creek Ln, Indianapolis, IN, 46236

3beds
2baths
1,522sqft
$312,000
$205price/sqft
$2,158/moest. monthly cost
$86,320/yrincome needed

About This Home

Thoughtfully updated and move-in ready, this Bradford Creek/Pointe ranch offers the comfort of single-level living with a long list of recent improvements. The open-concept great room welcomes you with vaulted ceilings, abundant natural light, arched doorways, and brand-new luxury vinyl plank flooring that flows throughout the main living areas. The kitchen has been beautifully updated with butcher block countertops, a farmhouse sink, modern lighting, a center island for additional prep space and storage, a gas range, and a sunny bay window that creates a warm and inviting dining area. The private primary suite features a walk-in closet and a deep jetted soaking tub, creating a relaxing retreat at the end of the day. Two additional bedrooms and a second full bath provide flexibility for serving guests or creating a home office or hobby space. Step outside to enjoy a spacious, fully usable backyard with a deck for entertaining, a playground, and a storage shed-offering plenty of room to relax, play, or garden. Major updates include a new roof (2023), windows (2021), air conditioning system, luxury vinyl plank flooring (2025), garage door (2025), custom front door, and a new sliding patio door with built-in blinds. Located in Bradford Creek/Pointe with convenient access to Geist Reservoir, Daniel's Vineyard, shopping, dining, parks, and everyday amenities, this home combines modern updates, functional living spaces, and an excellent location in one attractive package.

Getting Around

9
WalkingCar-Dependent
0
TransitNo Nearby Transit
29
BikeSomewhat Bikeable

Schools

4/10
3/10
Belzer Middle SchoolGrades 7-85.7 mi
3/10

Construction

Condition

  • Year built: 1993

Materials

  • Foundation: Slab
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Washer,Refrigerator,Dryer,Dishwasher
  • Laundry features: Main Level,Laundry Room

Bedroom2

  • Level: Main
  • Area: 130
  • Dimensions: 13x10

Bedroom3

  • Level: Main
  • Area: 130
  • Dimensions: 13x10

Bedrooms & Bathrooms

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

Features

  • Double Vanity,Kitchen Island,Cathedral Ceiling(s)

Great Room

  • Level: Main
  • Area: 391
  • Dimensions: 17x23

Heating & Cooling

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

Interior Area

  • Total structure area: 1,522
  • Total interior livable area: 1,522 sqft

Kitchen

  • Features: Tile-Ceramic
  • Level: Main
  • Area: 234
  • Dimensions: 13x18

Laundry

  • Features: Tile-Ceramic
  • Level: Main
  • Area: 36
  • Dimensions: 6x6

Master Bedroom

  • Level: Main
  • Area: 180
  • Dimensions: 12x15

Property

Details

  • Parcel number: 490127110004000407
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck
  • Exterior features: Fire Pit,Playground,Rain Barrel/Cistern(s)

Lot

  • Lot size: 0.25 Acres
  • Features: Curbs,Sidewalks,Trees-Small (Under 20 Ft)

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

  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Inland Flooding
Strong Wind
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 $1,577$18,924
Home Insurance *$198$2,376
Property Taxes $199$2,388
Electricity $184$2,212
Total$2,158$25,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,988/yr
40% on housing$64,740/yr
45% on housing$57,546/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: 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

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 46236$148
Marion County$125

vs Homes Sold Last Month

Median $/sqft

ZIP 46236$148
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)

No zestimate history available

Price History

DateEventPrice
2026-08-07Pending sale$312,000
2026-07-17Price change$312,000
2026-07-09Price change$319,000
2026-06-25Listed for sale$325,000
2026-04-08Listing removed$329,998
2026-03-06Price change$329,998
2026-02-06Price change$329,999
2025-11-12Listed for sale$334,900
2012-01-31Listing removed$104,900
2012-01-25Listed for sale$104,900
2012-01-23Sold$102,000
2011-11-01Price change$104,900
2011-09-28Price change$109,900
2011-08-27Price change$118,500
2011-08-21Price change--
2011-06-03Price change$124,900
2011-03-31Listed for sale$129,000
2007-04-27Sold$133,400
2001-08-28Sold$116,000
AgentPaul Gorrell
BrokerageCrestPoint Real Estate

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