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1309 E Oak St, New Albany, IN, 47150

6beds
3baths
2,850sqft
$349,000
$122price/sqft
$2,561/moest. monthly cost
$102,440/yrincome needed

About This Home

Beautiful renovation with standout character and modern updates throughout. This unique property features two homes on one parcel, creating a rare opportunity for multi generational living, rental income, house hacking, or added flexibility. The front home offers 3 bedrooms and 1 bath with extensive updates completed within the last five years, including fresh finishes and newly installed flooring. Spacious living areas, updated lighting, and a stylish kitchen, updated counters, and a clean modern feel make this home move in ready. The back home is a turnkey 3 bedroom, 2 full baths residence with its own private setup, ideal for extended family, guests, or income potential. The primary bath has been beautifully refreshed with a double vanity and oversized walk in shower, creating a true retreat. Generously sized bedrooms, natural light, and unique touches like the original sliding wood doors add warmth and personality. Outside, enjoy covered porch space, fenced yard areas, and a rare private brick walled parking/courtyard area that offers flexibility for entertaining, pets, or off street parking. Front home has street parking, while the back home includes rear parking lot access. Priced to sell, this is a hard to find opportunity combining character, updates, and multiple living spaces in a convenient location. Property includes two separate homes on one parcel. Public record square footage may reflect the main residence only. Buyer to verify measurements, uses, and any zoning or investment plans.

Getting Around

75
WalkingVery Walkable
0
TransitVery Limited Transit
54
BikeBikeable

Schools

6/10
7/10

Construction

Condition

  • Year built: 1929

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Partial,Unfinished

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 5

Dining Room

  • Level: Main
  • Area: 120

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,850

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,152
  • Total interior livable area: 2,850 sqft

Kitchen

  • Level: Main
  • Area: 120

Living Room

  • Level: Main
  • Area: 224

Property

Details

  • Parcel number: 220502800296.000008

Lot

  • Lot size: 7,840 sqft
  • Features: Level,0-2.9999
  • Lot size dimensions: 50X160

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 WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Winter Weather
Inland Flooding
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 $1,764$21,168
Home Insurance *$216$2,592
Property Taxes $320$3,840
Electricity $261$3,135
Total$2,561$30,732
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,805/yr
40% on housing$76,830/yr
45% on housing$68,293/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$122This listing

vs Other Active Listings

Avg $/sqft

ZIP 47150$106
Floyd County$130

vs Homes Sold Last Month

Median $/sqft

ZIP 47150$152
Floyd County$158

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
2026-05-13Price change$334,900
2026-04-28Listed for sale$340,000
2024-09-06Sold$185,000
2024-08-16Pending sale$214,900
2024-08-12Price change$214,900
2024-07-18Price change$219,900
2024-07-08Price change$225,000
2024-07-03Listed for sale$235,000
2021-01-15Sold$153,000
2020-10-22Price change$155,000
2020-09-29Price change$159,900
2020-09-17Price change$164,900
2020-09-10Listed for sale$169,000
2020-05-08Listing removed$55,000
2020-04-06Listed for sale$55,000
2020-03-25Sold$38,500
2020-02-28Listed for sale--

For Sale by Agent

AgentPatricia Cox
BrokerageeXp Realty, LLC

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