Skip to content

1324 Niagara Lane

Franklin, IN 46131

ActiveListed Jul 29, 2026 · 70 days on market

Key facts

Beds
4
Baths
3 full
Living area
2,851 sqft
Lot
0.17 acres
Year built
2008
Type
Residential · Single Family Residence
Stories
Two
Garage
2 spaces
MLS #
22117107
County
Johnson
Subdivision
Cumberland Commons

About this home

Welcome to 1324 Niagara Lane in Franklin's desirable Cumberland Commons! This spacious 4-bedroom, 3-bath home offers over 2,850 square feet of thoughtfully designed living space with room for everyone to spread out. Updated HVAC system and fresh paint throughout. The open-concept main level features a nice sized kitchen with center island, pantry, and abundant cabinet space, flowing seamlessly into the living areas. A formal dining room provides the ideal setting for holiday gatherings, while a dedicated office or flex room and a full bath on the main level add versatility. Upstairs, you'll find four generously sized bedrooms, all with large closets, including an expansive primary suite with dual vanities, dual walk-in closets, and private bath. Multiple living spaces offer flexibility for a loft, playroom, media room, or home office to fit your lifestyle. Step outside to enjoy the fully fenced backyard featuring a spacious patio. A 3-car attached garage provides ample storage and parking. Conveniently located near schools, shopping, dining, hospital and commuter routes, this move-in-ready home combines space, functionality, and comfort in one exceptional package.

Description provided by the listing brokerage.

Interior

Appliances
DishwasherDisposalGas Water HeaterMicroHoodElectric OvenWater Softener Owned
Interior features
Attic AccessVaulted Ceiling(s)Kitchen IslandPantryWalk-In Closet(s)
Other rooms and areas
Utility Room
Laundry
Main Level
Windows
Vinyl Windows
Rooms
11

Exterior

Exterior features
Playset
Patio and porch
PatioCovered
Construction
Vinyl With Brick
Foundation
Slab
Style
Traditional
Parking and garage
Attached
Fencing
Full
Other equipment
Smoke Alarm

Systems

Heating
Forced AirGas
Cooling
Central Air
Water
Public
Utilities
Cable AvailableElectricity ConnectedNatural Gas Connected

Lot and HOA

HOA fee
$159 / annually
Lot features
SidewalksMature Trees
HOA fee includes
Entrance CommonParkPlayground

Schools

Middle school
Franklin Community Middle School
High school
Franklin Community High School
School district
Franklin Community School Corp

Taxes

Estimated annual tax
$3,332 / yearTwice the semi-annual installment the listing reports.
Tax year
2025

Estimate your monthly payment

$2,328per month, estimated
Principal and interest $1,905Property tax $278Insurance $132HOA $13
20% · $75,580
6.47%
Loan type
Loan term

Estimates only. This calculator does not give a quote. Defaults reflect Marion County / Indianapolis averages: property tax from this home's actual county bill, homeowners insurance at 0.42% annually. Conventional: PMI runs 0.55% of the loan annually when your down payment is below 20%, and drops automatically at 22% equity. Your real number depends on credit, taxes assessed for the parcel, escrow, condo insurance, and HOA. Rates as of May 2026 and subject to change.

Talk to a lender we trust
Talk to Roots

Want us to run the numbers with you?

Book a consultation and a Roots agent will help you pressure-test the payment, repairs, resale, and rent.

Listed at$377,900
Talk to Roots

Ready to plant roots in Indianapolis?

Book a consultation and a Roots agent will help you turn the next move into a real plan.