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1370 S Smith Rd, Bloomington, IN, 47401

4beds
3baths
2,300sqft
$589,900
$256price/sqft
$3,751/moest. monthly cost
$150,040/yrincome needed

About This Home

Discover the perfect blend of privacy, comfort, and convenience in this stunning East Bloomington home. Nestled in a peaceful, country-like setting just minutes from the mall, Indiana University, and the hospital, this property offers the best of both worlds. This beautifully maintained 4-bedroom, 2.5-bath residence features a spacious primary suite and a versatile main-level office or guest bedroom. Inside, you’ll find soaring cathedral ceilings, an abundance of natural light, and an open-concept layout designed for both everyday living and entertaining. The kitchen is a standout, complete with craftsmanship of cabinetry by the Amish, Quartz and Wood countertops, a gas range cooktop with oven, a large refrigerator, and a center island perfect for gathering. The inviting living area showcases a cozy fireplace and oversized windows that frame serene outdoor views. Situated on nearly an acre with no homes behind, the property offers rare backyard privacy within city limits. Step outside to enjoy the thoughtfully designed outdoor kitchen and bar, ideal for hosting, along with a unique covered entertaining space featuring bar-top seating. The exterior wood elements have been enhanced using the traditional Shou Sugi Ban (Yakisugi) technique, adding both durability and distinctive character. Built just six years ago, this home reflects quality craftsmanship, thoughtful design, and meticulous upkeep throughout. A truly exceptional property that must be seen to be fully appreciated.

Getting Around

5
WalkingCar-Dependent
21
TransitMinimal Transit
34
BikeSomewhat Bikeable

Schools

7/10
Binford Elementary SchoolGrades PK-61.5 mi
7/10
Tri-North Middle SchoolGrades 7-84.0 mi
9/10

Construction

Condition

  • Year built: 2020

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Microwave,Refrigerator,Washer,Dryer-Electric,Exhaust Fan,Gas Oven,Gas Range,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space,Block

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 143

Features

  • Vaulted Ceiling(s),Stone Counters,Entrance Foyer,Kitchen Island,Open Floorplan,Main Level Bedroom Suite
  • Flooring: Carpet,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,300

Heating & Cooling

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

Interior Area

  • Total structure area: 4,600
  • Total interior livable area: 2,300 sqft

Kitchen

  • Level: Main
  • Area: 234

Living Room

  • Level: Main
  • Area: 375

Property

Details

  • Parcel number: 530811101079.000008

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck,Porch Covered
  • Exterior features: Balcony

Lot

  • Lot size: 0.71 Acres
  • Features: Level,0-2.9999,City/Town/Suburb,Near College Campus,Rural
  • Lot size dimensions: 100 x 305

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Winter Weather
Cold Wave
Hail
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 $2,982$35,784
Home Insurance *$258$3,096
Property Taxes $301$3,612
Electricity $210$2,530
Total$3,751$45,012
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,605/yr
40% on housing$112,530/yr
45% on housing$100,026/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

$256This listing

vs Other Active Listings

Avg $/sqft

ZIP 47401$171
Monroe County$166

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)

No zestimate history available

Price History

DateEventPrice
2026-04-15Price change$589,900
2026-03-10Listed for sale$600,000
2020-05-01Sold$339,900
2020-02-06Listed for sale$339,900
2015-08-13Sold$58,900
2015-06-09Price change$69,900
2015-06-01Listed for sale$74,900
2014-11-06Sold$99,613

For Sale by Agent

AgentMaryann Mohney
BrokerageEvergreen Real Estate & Auctions

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