3105 Atocha Circle, Charlestown, IN, 47111
About This Home
Welcome to the Finch Floor Plan - where modern design meets everyday functionality. This spacious two-story home offers 4 bedrooms, a loft, 2.5 bathrooms, and a 2-car garage. The heart of the home is the stylish kitchen, featuring stone gray cabinetry, Aruca White quartz countertops, and stainless steel appliances including a gas range. The open layout flows seamlessly into the living and dining areas, with a patio that extends your living space outdoors. Upstairs, the owner's suite includes a private bath with shower, double sink vanity with quartz countertops and a generous walk-in closet. Three additional bedrooms each feature their own walk-in closets and share easy access to a versatile loft space-perfect as a playroom, media area, or second living room. The convenient upstairs laundry makes chores a breeze. Nestled along the scenic Ohio River Byway, Skipper's Ridge offers the perfect blend of peaceful surroundings and everyday accessibility. Located just five minutes from charming downtown Charlestown and only 24 minutes from the vibrant heart of Louisville, this community places you close to everything while keeping you connected to nature. Photos of similar model.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Under Construction
- New construction: Yes
- Year built: 2025
Materials
- Construction materials: Stone,Vinyl Siding
Other
- Builder model: Finch
- Builder name: Centex
Type & Style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Microwave,Oven,Range
- Laundry features: Laundry Room,Upper Level
Bedroom
- Level: Second
- Dimensions: 10 x 11
Bedroom
- Level: Second
- Dimensions: 11 x 9
Bedroom
- Level: Second
- Dimensions: 11 x 9
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Level: First
- Dimensions: 14 x 15
Family Room
- Level: First
- Dimensions: 19 x 13
Features
- Kitchen Island,Loft,Walk-In Closet(s)
- Finished area below ground: 0
- Finished area above ground: 2,147
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,147
- Total interior livable area: 2,147 sqft
Kitchen
- Level: First
- Dimensions: 12 x 13
Master Bedroom
- Level: Second
- Dimensions: 15 x 12
Other
- Level: Second
- Dimensions: 19 x 16
Property
Details
- Parcel number: 101811801165000004
Features
- Levels: Two
- Stories: 2
- Patio & porch: Patio
- Exterior features: Patio
Lot
- Lot size: 6,229 sqft
Parking
- Total spaces: 2
- Parking features: Attached,Garage
- 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
- Tornado
- Cold Wave
- Inland Flooding
- Ice Storm
- Lightning
- Winter Weather
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 | $1,516 | $18,192 |
| Home Insurance * | $132 | $1,584 |
| Property Taxes | $177 | $2,124 |
| Electricity | $196 | $2,361 |
| Total | $2,021 | $24,252 |
Income You'd Need if You Spent...
Indiana FAIR Plan Programs
Indiana Basic Property Insurance Underwriting Association
Wildfire
HailWindHow 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 |
|---|---|---|
| 2026-04-05 | Price change | $324,990 |
| 2025-12-12 | Price change | $328,670 |
| 2025-12-07 | Price change | $303,670 |
| 2025-10-31 | Price change | $328,670 |
| 2025-09-24 | Listed for sale | $348,670 |
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