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6650 N Rhinestone Dr, Ellettsville, IN, 47429

3beds
3baths
1,716sqft
$449,900
$262price/sqft
$3,027/moest. monthly cost
$121,080/yrincome needed

About This Home

Tucked at the end of a quiet cul-de-sac in Horseshoe Retreat, this well-maintained and move-in ready home sits on nearly a full acre. With 3 bedrooms, 2.5 baths, and over 1,700 finished square feet, the home lives comfortably, with a finished walk-out lower level that adds flexibility for a second living area, office, or rec space. The curb appeal is immediate, and the condition throughout reflects consistent care over time. The owners have made many thoughtful improvements including all new exterior siding, new windows and a large rear deck that creates a natural extension of the living space and gives you a place to enjoy the private setting. The 24x24 pole barn is a real bonus, featuring it's own separate driveway, electrical and heat. Whether you need a workshop, storage, or space for hobbies, it’s functional and ready to go. This home is clean, well-kept, and easy to live in.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

6/10
6/10
7/10
Edgewood High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1994

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Washer,Built-In Gas Grill,Dryer-Electric,Gas Range

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access,Finished

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

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

Family Room

  • Level: Lower
  • Area: 240

Features

  • 1st Bdrm En Suite,Ceiling-9+,Walk-In Closet(s),Double Vanity,Tub/Shower Combination
  • Flooring: Hardwood,Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,716

Heating & Cooling

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

Interior Area

  • Total structure area: 1,716
  • Total interior livable area: 1,716 sqft

Kitchen

  • Level: Main
  • Area: 120

Living Room

  • Level: Main
  • Area: 144

Property

Details

  • Parcel number: 530403101009.000011

Features

  • Levels: Tri-Level
  • Patio & porch: Deck Covered,Deck
  • Exterior features: Fire Pit,Workshop

Lot

  • Lot size: 0.98 Acres
  • Features: Irregular Lot

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
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Heat Wave
Inland Flooding
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 $2,274$27,288
Home Insurance *$257$3,084
Property Taxes $312$3,744
Electricity $184$2,212
Total$3,027$36,324
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,782/yr
40% on housing$90,810/yr
45% on housing$80,720/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

$262This listing

vs Other Active Listings

Avg $/sqft

ZIP 47429$194
Monroe County$167

vs Homes Sold Last Month

Median $/sqft

ZIP 47429$177
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
2026-05-05Listed for sale$479,900
2015-10-14Sold$189,526
2015-09-02Pending sale$199,500
2015-08-16Listed for sale$199,500
2006-06-06Sold$106,201

For Sale by Agent

AgentAlex Root
BrokerageFC Tucker/Bloomington REALTORS

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