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1310 Mockingbird Ln, Mount Vernon, IN, 47620

4beds
3baths
2,251sqft
$390,000
$173price/sqft
$2,463/moest. monthly cost
$98,520/yrincome needed

About This Home

Brand new, never lived in, award winning home is now available and waiting for you! Custom Homes by Modern Structure, one of the area's most energy efficient home builders, crafted this stunning version of an elevated modern farmhouse in an established neighborhood on a no-outlet street. Situated on a quarter acre lot, there's plenty of yard and space around the house for pets, kids, and privacy. As you and your guests approach the home, you'll be delighted by the elegant lighting, easily maintained landscaping, and the decorative stamped concrete path to the bold contrasting porch. Once inside, your guests will be amazed by the large open great room, perfect for gathering, as well as the crisp, clean look and feel of the home. The exquisite kitchen features quartz countertops, all-wood cabinets with soft-close hardware and under cabinet lighting, socket shields for safety, and an enormous island for six! The 7 function Whirlpool oven is electric, but there's a gas line installed already in case you ever want to swap it out in the future. Talk about forward thinking! Between the kitchen and garage are two incredible features. First, a drop zone like no other. Coming in from the finished garage, you'll appreciate the coat hooks, shoe storage, and shelf with outlets. Those with messy jobs, muddy hobbies, or sweaty sports, will love the full bath right there! You're coming into this house clean and refreshed! The sliding glass doors leading to the covered porch, also with decorative stamped concrete, has an integrated locking bar for additional safety. From there, you'll discover the wide and somewhat hidden stairs leading to the upper level. A cozy landing was expanded to a vestibule and would be an ideal place for a reading nook, study area, or kids' play zone. All the bedrooms are equipped with ceiling fans and the laundry is here as well. Right where you really need it. The primary suite is massive! With a bold accent wall and remote controlled ceiling fan, this room feels like a retreat. The en suite bath holds two closets, double sinks, cultured marble vanity, and oversized shower. Some of the important features to mention: HERS rating of 53, 96% Efficient 60K BTU Multi-Speed Gas Furnace, Dual Zone Honeywell heating and cooling system for 1st & 2nd floor which maintains temperatures better between floors, smart thermostats, fully insulated slab, 10 Year HVAC parts Warranty, and a 2 Year Builder Warranty. Save money on utilities and love where you live!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

8/10
8/10
7/10
Mount Vernon High SchoolGrades 9-120.7 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2024

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Other

  • Builder name: Custom Homes by Modern Structure

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Electric Range

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: Main
  • Area: 176

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,251

Heating & Cooling

  • Heating features: Natural Gas,High Efficiency Furnace
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,251
  • Total interior livable area: 2,251 sqft

Kitchen

  • Level: Main
  • Area: 153

Living Room

  • Level: Main
  • Area: 285

Property

Details

  • Parcel number: 652704130032.000018

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.25 Acres
  • Features: Level
  • Lot size dimensions: 70 x 120

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

  • Earthquake
    EarthquakeRelatively High
  • 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
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Strong Wind
Tornado
Winter Weather
Cold Wave
Hail
Heat Wave
Ice Storm
Lightning

FEMA Declared Disasters Across Indiana Counties

Flood
Snowstorm
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 $1,972$23,664
Home Insurance *$284$3,408
Property Taxes $1$12
Electricity $206$2,476
Total$2,463$29,556
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,445/yr
40% on housing$73,890/yr
45% on housing$65,680/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: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.0%
-2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$173This listing

vs Other Active Listings

Avg $/sqft

ZIP 47620$99
Posey County$102

vs Homes Sold Last Month

Median $/sqft

ZIP 47620$129
Posey County$129

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
2026-07-06Price change$390,000
2026-06-13Price change$397,990
2026-06-06Listed for sale$399,990
2026-05-07Pending sale$399,990
2026-03-22Listed for sale$399,990
2026-03-11Listing removed$405,000
2026-01-29Price change$405,000
2025-12-13Price change$408,990
2025-10-30Price change$410,990
2025-09-18Price change$412,990
2025-06-19Price change$414,990
2025-04-07Price change$419,990
2025-02-12Price change$424,990
2024-10-21Listed for sale$430,000

New Construction

AgentDonnie Dowell
Brokerage@properties

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