11699 West Rd, Zionsville, IN, 46077
About This Home
Welcome to this waterfront home, perfectly situated on a beautifully landscaped lakefront lot with a Zionsville address and access to Carmel Clay Schools. Offering 3 bedrooms, 2.5 bathrooms, a spacious loft/bonus room, a finished basement, and over 3,943 square feet of thoughtfully designed living space, this home blends luxury, comfort, and everyday functionality. The inviting great room showcases soaring 12-foot ceilings, a cozy gas fireplace, and breathtaking lake views that flow effortlessly into the dining area and chef's kitchen. Designed with both entertaining and everyday living in mind, the kitchen features stainless steel appliances, custom pull out cabinet drawers, a gas cooktop, wall oven and microwave combination, an oversized center island, and a generous walk-in pantry. Wake up to peaceful water views in the luxurious main-level primary suite, complete with remote control blinds, dual walk-in closets and a spa-inspired bathroom featuring a large tiled shower, garden tub, and elegant finishes. Above the garage, the versatile bonus room is perfect for a home office, media room, or playroom. The finished basement offers even more living space with 9-foot ceilings, durable epoxy flooring, abundant storage, and rough-ins for a future full bathroom and kitchen, providing endless possibilities for customization. Open expansive multi panel stacking sliding wall to wall glass doors and step outside and experience your own private waterfront retreat. The expansive concrete paver patio is designed for entertaining and relaxing, featuring a pergola, built-in grill and bar, mini refrigerator, outdoor fireplace, and stunning panoramic lake views. Whether you're kayaking, fishing, hosting friends, or simply enjoying a quiet evening by the water, this backyard is truly something special. The professionally landscaped yard also includes a full irrigation system and elegant wrought-iron fencing. Water Softener and tankless Reverse Osmosis is included.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2017
Materials
- Foundation: Concrete Perimeter
- Construction materials: Brick,Stone
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Residential,Single Family Residence
Interior
Appliances
- Appliances included: Gas Cooktop,Dishwasher,Dryer,ENERGY STAR Qualified Water Heater,Disposal,Gas Water Heater,Microwave,Oven,Convection Oven,Gas Oven,Range Hood,Refrigerator,Washer,Water Heater,Water Purifier,Water Softener Owned
Basement
- Has basement: Yes
Bedroom2
- Level: Main
- Area: 168
- Dimensions: 14x12
Bedroom3
- Level: Main
- Area: 195
- Dimensions: 15x13
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bathrooms: 3
- Main level bedrooms: 3
Bonus Room
- Level: Upper
- Area: 288
- Dimensions: 12x24
Features
- Attic Access,Double Vanity,Breakfast Bar,Kitchen Island,Entrance Foyer,Hardwood Floors,Eat-in Kitchen,Pantry,Smart Thermostat,Walk-In Closet(s)
- Flooring: Hardwood
- Number of fireplaces: 2
- Fireplace features: Living Room,Outside
- Fireplace: Yes
- Attic: Access Only
- Finished area below ground: 928
Great Room
- Level: Basement
- Area: 432
- Dimensions: 24x18
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 3,942
- Total interior livable area: 3,942 sqft
Kitchen
- Level: Main
- Area: 432
- Dimensions: 24x18
Living Room
- Level: Main
- Area: 345
- Dimensions: 15x23
Master Bedroom
- Level: Main
- Area: 238
- Dimensions: 17x14
Play Room
- Level: Basement
- Area: 368
- Dimensions: 16x23
Property
Details
- Parcel number: 290931012001000018
- Horse amenities: None
Features
- Levels: One Leveland + Loft
- Stories: 1
- On waterfront: Yes
- Waterfront features: Waterfront
Lot
- Lot size: 0.39 Acres
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
- Inland Flooding
- Tornado
- Winter Weather
- Cold Wave
- Hail
- Lightning
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Indiana Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $6,062 | $72,744 |
| Home Insurance * | $398 | $4,776 |
| Property Taxes | $1,064 | $12,768 |
| Electricity | $361 | $4,336 |
| Total | $7,885 | $94,620 |
Income You'd Need if You Spent...
Indiana FAIR Plan Programs
Indiana Basic Property Insurance Underwriting Association
WildfireHailWindHow 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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-22 | Price change | $1,199,000 |
| 2026-07-09 | Listed for sale | $1,247,000 |
| 2023-03-22 | Sold | $1,050,000 |
| 2023-02-24 | Pending sale | $1,050,000 |
| 2023-02-22 | Listed for sale | $1,050,000 |
| 2021-12-17 | Sold | $990,000 |
| 2021-11-15 | Pending sale | $995,000 |
| 2021-06-21 | Listed for sale | $995,000 |
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