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1004 Church St, New Harmony, IN, 47631

3beds
3baths
2,589sqft
$390,000
$151price/sqft
$2,650/moest. monthly cost
$106,000/yrincome needed

About This Home

Renovated and historical residence, 1004 Church Street is situated in the distinguished community of New Harmony. This prominent American Foursquare home has undergone a recent renovation, seamlessly integrating its timeless architectural character with contemporary, high-end finishes. Offering over 2,500 square feet of living space, this property, featuring three to four bedrooms and two and a half bathrooms, now provides the optimal blend of classic sophistication and modern, move-in-ready condition. The interior boasts a complete transformation, highlighted by a brand-new, exquisitely designed kitchen and fully modernized bathrooms that contribute a clean, updated aesthetic. The previously dated finishes have been replaced with stylish upgrades that respectfully complement the home's original features, including detailed woodwork and expansive rooms that speak to its origins in the early 1900s. The floor plan is characterized by its flexibility and functionality, encompassing generous living and formal dining areas with high ceilings. A potential primary bedroom suite, complete with an updated en suite bathroom, is conveniently located on the main level, which also includes a supplementary half bathroom. The upper level comprises two interconnected bedrooms and a third versatile room, ideal for use as an additional bedroom or bonus space, featuring ample windows and neighborhood views. Included on the upper level is an updated full bathroom with laundry. The property is further enhanced by a detached two-car garage and supplementary storage capacity, including usable basement and attic areas, contributing to its everyday practicality. Positioned on a desirable corner lot within one of Southern Indiana's most historically rich and picturesque towns, this residence is ideally suited for a primary dwelling, a refined weekend retreat, or a potential short-term rental investment. With the comprehensive restoration now complete, the property is ready for immediate occupancy.

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

6/10
North Elementary SchoolGrades PK-68.2 mi
7/10
8/10
North Posey Sr High SchoolGrades 7,9-126.9 mi

Construction

Condition

  • Year built: 1910

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 1991

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Microwave,Oven,Washer

Basement

  • Area: 996

Basement

  • Has basement: Yes
  • Basement: Partial,Unfinished

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood,Tile
  • Finished area above ground: 2,589

Heating & Cooling

  • Heating features: Zoned
  • Cooling features: Central,Zoned

Interior Area

  • Total structure area: 3,585
  • Total interior livable area: 2,589 sqft

Kitchen

  • Features: Open

Property

Details

  • Parcel number: 652536431009.000007
  • Lease amount: 0

Features

  • Stories: 2

Lot

  • Lot size: 9,147 sqft

Parking

  • Total spaces: 2
  • Parking features: Detached
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Winter Weather
Cold Wave
Drought
Earthquake
Hail
Heat Wave
Ice Storm
Tornado

FEMA Declared Disasters Across Indiana Counties

Flood
Snowstorm
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 $1,972$23,664
Home Insurance *$272$3,264
Property Taxes $169$2,028
Electricity $237$2,847
Total$2,650$31,800
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,857/yr
40% on housing$79,500/yr
45% on housing$70,666/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: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.0%
-2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$151This listing

vs Other Active Listings

Avg $/sqft

ZIP 47631$79
Posey County$102

vs Homes Sold Last Month

Median $/sqft

ZIP 47631$116
Posey County$129

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
2026-04-03Listed for sale$399,500
2024-11-26Sold$180,000
2024-11-13Pending sale$219,900
2024-10-21Price change$219,900
2024-10-02Price change$229,900
2024-09-18Price change$239,900
2024-09-04Listed for sale$244,900

For Sale by Agent

AgentAndrew Wilson
BrokerageWilliam Wilson Auction-Realty, Inc

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