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1549 Pebble Beach Dr, Pendleton, IN, 46064

4beds
3baths
2,961sqft
$384,995
$130price/sqft
$2,644/moest. monthly cost
$105,760/yrincome needed

About This Home

Welcome to this brand new Arbor home featuring the Norway floor plan with Elevation B in Cold Springs at Huntzinger Farms. This community offers a convenient location just minutes from I-69 for an easy commute to downtown Indianapolis, while maintaining a relaxed small-town feel with nearby coffee shops, shopping, golf, seasonal attractions, scenic ponds, and a neighborhood playground. Curb appeal stands out with Heritage Linen vinyl siding, Bourbon Trail brick accents, and a spacious covered front porch. Inside, 9' first floor walls and an open layout create an airy, connected main level with additional windows that bring in abundant natural light. Durable Wild Dunes luxury vinyl plank flooring runs throughout the main living space, blending style with easy maintenance. The kitchen features quartz Calacatta Idillio countertops, 42" Stone Gray upper cabinets, and a full suite of stainless steel appliances, designed for both function and entertaining. Upstairs, enjoy a primary suite featuring a sizable walk-in closet and ensuite bath with a double bowl vanity and 60" shower. Other thoughtful features include an enlarged under-stairs closet, water softener bypass rough-in, and garage door opener with keyless entry. A 2-car front-load garage with a 4' side extension adds flexibility, and a 16' x 12' patio extends your living outdoors. As a new Arbor home, this property delivers true turnkey living with modern design, builder warranty coverage, and added peace of mind f...

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

8/10
9/10

Construction

Condition

  • Property condition: New Construction,Under Construction
  • New construction: Yes
  • Year built: 2026

Other

  • Builder name: Arbor Homes

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,961 sqft

Property

Features

  • Levels: 2.0
  • Stories: 2

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage 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 WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
Winter Weather

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 $1,946$23,352
Home Insurance *$193$2,316
Property Taxes $234$2,808
Electricity $271$3,257
Total$2,644$31,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,651/yr
40% on housing$79,320/yr
45% on housing$70,506/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: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 2.5%
2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$130This listing

vs Other Active Listings

Avg $/sqft

ZIP 46064$163
Madison County$95

vs Homes Sold Last Month

Median $/sqft

ZIP 46064$166
Madison County$120

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
2026-05-02Listed for sale$388,995
2026-03-17Listing removed$326,995
2025-05-27Listed for sale$326,995

New Construction Spec

BrokerageArbor Homes

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