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3953 W Ribbon Ln, Bloomington, IN, 47404

5beds
3baths
2,836sqft
$464,900
$164price/sqft
$3,343/moest. monthly cost
$133,720/yrincome needed

About This Home

Built in 2019, this spacious 2,836-square-foot home offers 5 bedrooms, 2.5 bathrooms, and a flexible floor plan designed for today's lifestyle. Beautiful finishes are featured throughout, while the expansive kitchen boasts a large island, pantry, and abundant workspace, all flowing seamlessly into the oversized living room with direct access to the backyard patio. The main level includes the living room, kitchen, dining area, half bath, and two versatile bedrooms that can easily serve as home offices, playrooms, hobby spaces, or fitness rooms. Upstairs, you'll find four additional bedrooms, a generous loft that provides extra living or entertaining space, two full bathrooms, and a conveniently located laundry room. The spacious primary suite features a private ensuite bathroom and a walk-in closet. Step outside to enjoy a private backyard complete with a concrete patio, attractive landscaping, and a fantastic fire pit—creating the perfect setting for relaxing evenings or entertaining family and friends. Because the home was built in 2019, you'll also enjoy the peace of mind that comes with newer major systems and components, allowing you to focus on enjoying your home rather than worrying about costly replacements.

Getting Around

17
WalkingCar-Dependent
0
TransitNo Nearby Transit
19
BikeSomewhat Bikeable

Schools

6/10
6/10
7/10
Edgewood High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 2019

Materials

  • Roof: Asphalt
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Washer,Dryer-Electric,Electric Oven,Electric Range,Gas Water Heater
  • Laundry features: Electric Dryer Hookup

Basement

  • Basement: None

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 152

Family Room

  • Level: Upper
  • Area: 345

Features

  • 1st Bdrm En Suite,Ceiling Fan(s),Kitchen Island,Stand Up Shower
  • Window features: Window Treatments
  • Finished area below ground: 0
  • Finished area above ground: 2,836

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,836
  • Total interior livable area: 2,836 sqft

Kitchen

  • Level: Main
  • Area: 285

Living Room

  • Level: Main
  • Area: 266

Property

Details

  • Parcel number: 530413100003.016013

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio
  • Exterior features: Fire Pit

Lot

  • Lot size: 0.27 Acres
  • Features: Sloped,Landscaped
  • Lot size dimensions: 130 x 95

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Heat Wave
Inland Flooding
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 $2,350$28,200
Home Insurance *$220$2,640
Property Taxes $514$6,168
Electricity $259$3,119
Total$3,343$40,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,617/yr
40% on housing$100,290/yr
45% on housing$89,146/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

$164This listing

vs Other Active Listings

Avg $/sqft

ZIP 47404$145
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
2026-07-23Price change$464,900
2026-07-02Listed for sale$479,900

For Sale by Agent

AgentMicah Heath
BrokerageKeller Williams - Indy Metro South LLC

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