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523 W Pearl St, Lebanon, IN, 46052

3beds
2baths
1,878sqft
$310,000
$165price/sqft
$2,064/moest. monthly cost
$82,560/yrincome needed

About This Home

a single family residence presents an enduring presence, offering a distinctive living experience within its established surroundings. Within this residence, three thoughtfully arranged bedrooms provide tranquil retreats, each offering a personal haven for quiet repose and individual expression. The home features two full bathrooms, offering convenient facilities for personal care and refreshing daily routines. Encompassing 1252 square feet of living area, the interior provides generous proportions for various activities and personal comfort. This single story residence, originally constructed in 1904, offers a comfortable layout, designed for ease of movement throughout its spaces. The property is situated on a substantial 6621 square foot lot, presenting ample outdoor space for enjoyment and creating a personal environment around the dwelling. This residence offers a unique opportunity to embrace a comfortable lifestyle within a property of enduring character.

Getting Around

73
WalkingVery Walkable
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

5/10
Lebanon Middle SchoolGrades 6-81.4 mi
9/10

Construction

Condition

  • Year built: 1904

Materials

  • Foundation: Concrete Perimeter,Block,Partial,See Remarks
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Disposal,Exhaust Fan,Microwave,Gas Oven,Refrigerator,Washer,Water Softener Owned
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Partial,Unfinished

Bedroom2

  • Level: Main
  • Area: 169
  • Dimensions: 13X13

Bedroom3

  • Level: Main
  • Area: 108
  • Dimensions: 9X12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Level: Main
  • Area: 182
  • Dimensions: 13X14

Features

  • Attic Access,Breakfast Bar,High Ceilings,Eat-in Kitchen,Pantry
  • Attic: Access Only
  • Finished area below ground: 0

Heating & Cooling

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

Interior Area

  • Total structure area: 1,878
  • Total interior livable area: 1,878 sqft

Kitchen

  • Level: Main
  • Area: 60
  • Dimensions: 5X12

Laundry

  • Level: Main
  • Area: 60
  • Dimensions: 5X12

Master Bedroom

  • Level: Main
  • Area: 234
  • Dimensions: 13X18

Sitting Room

  • Level: Main
  • Area: 200
  • Dimensions: 25X8

Property

Details

  • Parcel number: 061036004013093002
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered
  • Fencing: Fenced,Privacy

Lot

  • Lot size: 6,534 sqft

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Hail
Inland Flooding

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 $1,567$18,804
Home Insurance *$153$1,836
Property Taxes $160$1,920
Electricity $184$2,212
Total$2,064$24,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,765/yr
40% on housing$61,920/yr
45% on housing$55,040/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: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.9%
3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$165This listing

vs Other Active Listings

Avg $/sqft

ZIP 46052$199
Boone County$210

vs Homes Sold Last Month

Median $/sqft

ZIP 46052$185
Boone County$180

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
2026-03-24Listed for sale$350,000
2025-01-28Sold$273,500
2025-01-06Pending sale$273,500
2024-12-19Price change$273,500
2024-12-03Listed for sale$275,000

For Sale by Agent

AgentLisa Hall
BrokerageIntegrity Home Advisors, RE

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