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823 N Maple St, Bloomington, IN, 47404

6beds
2baths
3,276sqft
$350,000
$107price/sqft
$2,449/moest. monthly cost
$97,960/yrincome needed

About This Home

Building Size: ±3,276 SF Zoning: R3 – Residential Small Lot Located just minutes from downtown Bloomington and within walking distance to the city’s new Trades District, this property offers a rare opportunity for investors or developers seeking a prime redevelopment or income-producing project. The building features a flexible, multi-level layout: First Floor: 2 bedrooms – ideal for a private residence or rental unit Second Floor: 4 bedrooms – excellent for multi-tenant occupancy or conversion potential Third Floor: Space for up to 2 additional bedrooms, creating value-add opportunity through renovation or expansion Includes a fire staircase for convenient and compliant multi-floor access With its R3 zoning, the property allows for residential small-lot development, making it suitable for multi-family housing, student rentals, or a high-quality renovation project. The proximity to Bloomington’s downtown amenities and the growing Trades District enhances both its long-term value and investment appeal.

Getting Around

70
WalkingVery Walkable
28
TransitSome Transit
59
BikeBikeable

Schools

5/10
7/10
Tri-North Middle SchoolGrades 7-80.2 mi
9/10

Construction

Condition

  • Year built: 1950

Materials

  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Partial,Concrete

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 3,276

Heating & Cooling

  • Heating features: Conventional
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,276
  • Total interior livable area: 3,276 sqft

Property

Details

  • Parcel number: 530532100027.000005
  • Zoning: R3

Features

  • Levels: Three Story
  • Stories: 3

Lot

  • Lot size: 0.29 Acres
  • Features: Level

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
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Heat Wave
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 $1,769$21,228
Home Insurance *$165$1,980
Property Taxes $215$2,580
Electricity $300$3,603
Total$2,449$29,388
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,965/yr
40% on housing$73,470/yr
45% on housing$65,306/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

$107This listing

vs Other Active Listings

Avg $/sqft

ZIP 47404$146
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
2025-10-20Listed for sale$350,000

For Sale by Agent

AgentChris Cockerham
BrokerageFC Tucker/Bloomington REALTORS

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