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2776 Pine Cone Ln, Warsaw, IN, 46582

5beds
4baths
3,858sqft
$459,000
$119price/sqft
$3,271/moest. monthly cost
$130,840/yrincome needed

About This Home

** Open House - Sunday, July 26,2026 from 1-3pm*** Welcome to a home that truly delivers on space, style, and location. Built in 2021 and offering 3,858 square feet, this beautifully designed 5 bedroom, 4 bath home gives every part of the floor plan a clear purpose, from the dedicated office space to the finished basement and multiple areas to gather, unwind, or host. The main living area makes an immediate impression with soaring ceilings, a fireplace, oversized windows, smart home features, and a bright open feel that connects seamlessly to the kitchen and dining space. The kitchen stands out with rich cabinetry, a large center island, stone-style counters, stainless steel appliances, tiled backsplash, pendant lighting, and direct access to the extended covered deck overlooking the backyard. The primary suite feels like a true retreat with tray ceilings, a spacious walk-in closet, dual vanity, and a custom tiled shower. Downstairs, the finished basement adds even more usable living space with plumbing already in place for a wet bar, plus built-in home theater connections in the basement hallway, making it easy to create the perfect setup for movie nights, game days, guests, or everyday overflow. The home also features an extended back deck and extended front porch, adding even more outdoor space beyond the original plan. The location is just as impressive, only about 3 minutes from Harrison Elementary, the YMCA, Menards, US-30, shopping, dining, and so much more. Surrounded by newer homes with convenient access to town, this is the kind of property that offers the space people want, the finishes they notice, modern conveniences they appreciate, and the location they rarely want to leave.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

5/10
8/10
Lakeview Middle SchoolGrades 7-82.1 mi
9/10

Construction

Condition

  • Year built: 2021

Materials

  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Range/Oven Hook Up Gas,Dishwasher,Microwave,Refrigerator,Gas Range
  • Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Sump Pump

Bedroom1

  • Level: Main

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 120

Family Room

  • Level: Basement
  • Area: 1200

Features

  • Ceiling-9+,Tray Ceiling(s),Ceiling Fan(s),Vaulted Ceiling(s),Walk-In Closet(s),Stone Counters,Eat-in Kitchen,Kitchen Island,Double Vanity,Tub/Shower Combination,Main Level Bedroom Suite
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 1,136
  • Finished area above ground: 2,722

Heating & Cooling

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

Interior Area

  • Total structure area: 4,282
  • Total interior livable area: 3,858 sqft

Kitchen

  • Level: Main
  • Area: 168

Living Room

  • Level: Main
  • Area: 285

Property

Details

  • Parcel number: 431103400410.000032

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck

Lot

  • Lot size: 8,276 sqft
  • Features: Level,Landscaped
  • Lot size dimensions: 65X130

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

  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Lightning
Winter Weather

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 $2,320$27,840
Home Insurance *$194$2,328
Property Taxes $404$4,848
Electricity $353$4,243
Total$3,271$39,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,148/yr
40% on housing$98,130/yr
45% on housing$87,226/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 5.5%
5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$119This listing

vs Other Active Listings

Avg $/sqft

ZIP 46582$140
Kosciusko County$184

vs Homes Sold Last Month

Median $/sqft

ZIP 46582$153
Kosciusko County$150

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)

No zestimate history available

Price History

DateEventPrice
2026-08-14Pending sale$459,000
2026-07-24Price change$459,000
2026-05-20Listed for sale$479,000

For Sale by Agent

AgentBerto Barrera
BrokerageRE/MAX Results

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