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3937 S Cramer Cir, Bloomington, IN, 47403

3beds
3baths
1,444sqft
$299,000
$207price/sqft
$2,186/moest. monthly cost
$87,440/yrincome needed

About This Home

This adorable townhouse on Bloomington’s south side has bells and whistles that punch way above its weight class. This well designed and beautifully appointed three bedroom home has a wonderful living space with updated luxury vinyl, recent carpeting, custom storage, new lighting package, updated appliances, granite, white cabinetry, entertaining kitchen with island, custom backsplash, and California Closets storage system. This charming townhouse with a garage has a really lovely green space and patio area perfect for a morning coffee. Great location near Indiana University, new Monroe County library branch, shopping, and access to Bloomington‘s cultural activities.

Getting Around

8
WalkingCar-Dependent
13
TransitMinimal Transit
34
BikeSomewhat Bikeable

Schools

5/10
Summit Elementary SchoolGrades PK-61.4 mi
7/10
10/10

Construction

Condition

  • Year built: 2020

Materials

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

Type & Style

  • Home type: Townhouse
  • Property subType: Condominium,Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Washer
  • Laundry features: Electric Dryer Hookup

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 110

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,444

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,444
  • Total interior livable area: 1,444 sqft

Kitchen

  • Level: Main
  • Area: 132

Living Room

  • Level: Main
  • Area: 187

Property

Details

  • Parcel number: 530817304004.000008

Lot

  • Features: Irregular Lot

Parking

  • Total spaces: 1
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Heat Wave
Strong Wind
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 $1,511$18,132
Home Insurance *$148$1,776
Property Taxes $343$4,116
Electricity $184$2,212
Total$2,186$26,232
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,948/yr
40% on housing$65,580/yr
45% on housing$58,293/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: 9.8%
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

$207This listing

vs Other Active Listings

Avg $/sqft

ZIP 47403$156
Monroe County$167

vs Homes Sold Last Month

Median $/sqft

ZIP 47403$184
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
2026-07-24Listed for sale$299,000
2020-10-13Listing removed$239,000
2020-10-07Listed for sale$239,000
2020-08-25Listing removed$239,000
2020-07-13Listed for sale$239,000

For Sale by Agent

AgentJeff Franklin
BrokerageFC Tucker/Bloomington REALTORS

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