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4317 E Morningside Dr, Bloomington, IN, 47408

4beds
4baths
2,922sqft
$415,000
$142price/sqft
$2,973/moest. monthly cost
$118,920/yrincome needed

About This Home

This lovely home is one of the few true two-story homes in Park Ridge East. Situated on a half acre corner lot, it is directly across from the park. As you enter the main level living space there is a large living room as well as a separate dining room, both with hardwood floors. The kitchen is off the dining room and has custom cabinets with solid surface counters. Beyond the kitchen is a family room with a lanai facing the back yard that opens to a large deck. The home has a main level primary suite with a large walk-in closet, laundry and a huge bath with a tiled walk in shower with seat and spray attachments. There is also a half bath on the main level. The upper level is unique in that it features a second primary suite and two additional bedrooms and bath. A third primary suite could easily be created if the fourth bedroom were used as an office or playroom, providing each bedroom with it's own bath. There is a plentiful closet space as well. Upper level floors have hardwood under the carpet and cedar lined closets. Both the main and upper levels have great natural lighting. The lot is very special in that it has a deer-proof fenced-in back yard and separate fenced in garden plot with raised beds, as well as a in-ground irrigation system. There are numerous plantings including crepe myrtle, a large, established rhododendron, and huge pear tree and a hazelnut tree. Next to the deck is a lovely pond with waterfall that has a soothing sound. The property is equipped with an irrigation system. This would be a great home for a family or would provide accommodation for aging parents. Like many established homes in Southern Indiana with it's karst system, this home has a full basement that needed attention. Sellers spent considerable money installing a system that pumps water away from the house when necessary (this has only happened twice since installation ), protects the walls and dehumidifies the basement and crawl space. The system is maintained annually and has a transferable warranty for the lifetime of the house. The system was installed by Basement Systems of Indiana.

Getting Around

28
WalkingCar-Dependent
26
TransitSome Transit
55
BikeBikeable

Schools

8/10
7/10
Tri-North Middle SchoolGrades 7-83.8 mi
9/10

Construction

Condition

  • Year built: 1964

Materials

  • Roof: Asphalt
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished,Block

Bedroom1

  • Level: Main

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 132

Family Room

  • Level: Main
  • Area: 156

Features

  • Walk-In Closet(s),Entrance Foyer,Stand Up Shower,Tub/Shower Combination,Main Level Bedroom Suite
  • Finished area below ground: 782
  • Finished area above ground: 2,140

Heating & Cooling

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

Interior Area

  • Total structure area: 2,922
  • Total interior livable area: 2,922 sqft

Kitchen

  • Level: Main
  • Area: 168

Living Room

  • Level: Main
  • Area: 264

Property

Details

  • Parcel number: 530536304020.000005
  • Zoning: R2

Features

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

Lot

  • Lot size: 0.50 Acres
  • Features: Corner Lot,City/Town/Suburb,Near College Campus

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

  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Heat Wave
Lightning
Tornado

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 $2,098$25,176
Home Insurance *$192$2,304
Property Taxes $416$4,992
Electricity $267$3,214
Total$2,973$35,676
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,931/yr
40% on housing$89,190/yr
45% on housing$79,280/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 7.5%
7.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$142This listing

vs Other Active Listings

Avg $/sqft

ZIP 47408$181
Monroe County$167

vs Homes Sold Last Month

Median $/sqft

ZIP 47408$161
Monroe County$183

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
2026-05-07Listed for sale$425,000

For Sale by Agent

AgentBecky Wann
BrokerageBecky Wann Real Estate Services

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