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13042 Ratliff Run, Fishers, IN, 46038

2beds
2baths
3,344sqft
$404,900
$121price/sqft
$2,901/moest. monthly cost
$116,040/yrincome needed

About This Home

Welcome to 13042 Ratliff RUN in FISHERS, IN, a captivating single-family residence built in 2005. This meticulously maintained attractive property, spanning 1672 square feet, offers a lifestyle of comfort and convenience, perfectly designed for modern living. The heart of this home is its exceptional kitchen, an open-plan space seamlessly integrated with the living room. Here, culinary adventures unfold amidst sleek stainless steel appliances, slide-out shelves and sophisticated stone counters. A large island, provides ample space for meal preparation and casual dining, fostering a connected and inviting atmosphere. The sunroom is filled with natural light & overlooks a serene back yard. Retreat to the bedrooms, where comfort is paramount. The thoughguly designed primary features a custom walk-in closet, an ensuite bathroom with double vanity & walk-in shower. Lots of natural light in both bedrooms. Beyond the main living areas, this ranch-style home offers a large & versatile basement, ready for your personal touch and a dedicated office / den. An attached garage provides convenience, and a dedicated laundry room with utility sink simplifies daily routines. Outside, a private yard offers a tranquil escape, complemented by a large deck, perfect for outdoor enjoyment and entertaining. All of the mechanicals and appliances are relatively new/newer. Discover the effortless living this well-maintained property offers; schedule your private viewing today.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
50
BikeBikeable

Schools

9/10
Thorpe Creek ElementaryGrades PK-40.8 mi
10/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2005

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Vinyl With Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Gas Oven,Refrigerator
  • Laundry features: Laundry Room,Sink

Basement

  • Has basement: Yes
  • Basement: Daylight,Full,Roughed In,Unfinished

Bedroom2

  • Level: Main
  • Area: 154
  • Dimensions: 14x11

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • Double Vanity,Ceiling Fan(s),Walk-In Closet(s)
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

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

Interior Area

  • Total structure area: 3,344
  • Total interior livable area: 3,344 sqft

Kitchen

  • Level: Main
  • Area: 104
  • Dimensions: 13x8

Laundry

  • Level: Main
  • Area: 42
  • Dimensions: 7x6

Living Room

  • Level: Main
  • Area: 468
  • Dimensions: 18x26

Master Bedroom

  • Level: Main
  • Area: 192
  • Dimensions: 16x12

Office

  • Level: Main
  • Area: 110
  • Dimensions: 10x11

Sun Room

  • Features: Tile-Ceramic
  • Level: Main
  • Area: 110
  • Dimensions: 11x10

Property

Details

  • Parcel number: 291125003064000020
  • Attached to another structure: Yes
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck

Lot

  • Lot size: 7,840 sqft

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
    Inland FloodingVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Indiana Counties

Flood
Snowstorm

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 $2,047$24,564
Home Insurance *$195$2,340
Property Taxes $353$4,236
Electricity $306$3,678
Total$2,901$34,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,462/yr
40% on housing$87,030/yr
45% on housing$77,360/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$121This listing

vs Other Active Listings

Avg $/sqft

ZIP 46038$165
Hamilton County$203

vs Homes Sold Last Month

Median $/sqft

ZIP 46038$171
Hamilton County$171

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
2026-08-04Price change$399,000
2026-07-16Price change$404,900
2026-06-06Price change$414,900
2026-05-15Listed for sale$424,900
2021-03-05Sold$320,000
2021-01-25Pending sale$325,000
2021-01-24Listed for sale$325,000
2021-01-13Pending sale$325,000
2021-01-12Listed for sale$325,000
2012-08-30Sold$208,000
2008-02-13Sold$189,900

For Sale by Agent

AgentTodd Howard
BrokerageTodd Howard

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