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5222 E State Road 46, Bloomington, IN, 47401

2beds
2baths
1,201sqft
$329,900
$275price/sqft
$2,421/moest. monthly cost
$96,840/yrincome needed

About This Home

Save this expertly remodeled walkout ranch with modern upgrades and rustic charm, all set on nearly an acre of scenic surroundings. Located just 7 minutes from IU, 9 minutes from the hospital, and 15 minutes to Brown County State Park. This thoughtfully redesigned home showcases meticulous craftsmanship and upscale finishes throughout. The walkout lower level features two bedrooms with direct access to the driveway, a full bathroom with stand-up shower, and conveniently located laundry. A striking black spiral staircase with rich wood accents creates a true focal point, leading to the main living area upstairs. Here, you'll find a warm and inviting living room highlighted by a custom wood mantle-perfectly designed for your entertainment setup. The kitchen offers both style and functionality with ample cabinetry, a center island, snack bar seating, and a dedicated coffee bar area-ideal for everyday living or entertaining guests. The upstairs bathroom delivers a luxury experience, featuring a maroon and gold clawfoot soaking tub paired with Tiffany-style lighting fixtures . Throughout the home, you'll find brand-new waterproof luxury vinyl plank flooring, along with fully updated HVAC (including ductwork), electrical, and plumbing systems-offering peace of mind for years to come. The exterior has been completely refreshed to stand out, with new wood siding, freshly painted black finishes, refinished and resealed original siding, and a beautifully trimmed stucco lower level. Topping it all off is a brand-new copper roof-a rare and eye-catching upgrade that truly sets this home apart. Step outside to enjoy the new partial wraparound deck, offering privacy and serene wooded views. The spacious .93-acre lot also includes a large concrete patio-perfect for entertaining or easily converting into a basketball or pickleball court. Agent is owner. Offering concessions, will help buyer with some closing costs!

Getting Around

9
WalkingCar-Dependent
17
TransitMinimal Transit
6
BikeSomewhat Bikeable

Schools

8/10
7/10
Tri-North Middle SchoolGrades 7-84.7 mi
9/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1979

Materials

  • Foundation: Block
  • Construction materials: Wood Siding,Block,Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Dishwasher,ENERGY STAR Qualified Water Heater,Electric Oven
  • Laundry features: Connections All

Basement

  • Has basement: Yes
  • Basement: Exterior Entry

Bedroom2

  • Level: Basement
  • Area: 180.6875
  • Dimensions: 12'3" x 14'9"

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Breakfast Bar,Kitchen Island,Eat-in Kitchen,Pantry
  • Finished area below ground: 600

Heating & Cooling

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

Interior Area

  • Total structure area: 1,201
  • Total interior livable area: 1,201 sqft

Kitchen

  • Level: Upper
  • Area: 204.8056
  • Dimensions: 16'10" x 12'2"

Living Room

  • Level: Upper
  • Area: 277.4444
  • Dimensions: 14'8" x 18' 11

Master Bedroom

  • Level: Basement
  • Area: 141.9792
  • Dimensions: 12'1 x 11'9"

Property

Details

  • Parcel number: 530631300002000003
  • Special condition: Broker Owned,Sales Disclosure On File
  • Horse amenities: None

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Wrap Around
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 0.93 Acres
  • Features: Access,Rural - Not Subdivision,Mature Trees,Wooded

Parking

  • Parking features: Gravel

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

  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Heat Wave
Inland Flooding
Strong Wind
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 $1,668$20,016
Home Insurance *$144$1,728
Property Taxes $425$5,100
Electricity $184$2,212
Total$2,421$29,052
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,005/yr
40% on housing$72,630/yr
45% on housing$64,560/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

$275This listing

vs Other Active Listings

Avg $/sqft

ZIP 47401$172
Monroe County$167

vs Homes Sold Last Month

Median $/sqft

ZIP 47401$176
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
2026-05-07Price change$359,900
2026-04-28Price change$365,000
2026-04-22Price change$369,000
2026-04-14Listed for sale$374,000
2025-08-08Sold$180,000
2025-07-14Pending sale$199,000
2025-07-03Listed for sale$199,000
2022-03-25Listing removed--
2022-03-01Listed for sale$170,000
2022-02-17Pending sale$170,000
2022-01-14Listed for sale$170,000

For Sale by Agent

AgentColleen McKinney-Reese
BrokerageeXp Realty, LLC

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