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654 N Senate Avenue

Indianapolis, IN 46202

PendingListed Aug 21, 2026 · 60 days on market

Key facts

Beds
3
Baths
3 full · 1 half
Living area
3,776 sqft
Lot
0.1 acres
Year built
2005
Type
Residential · Single Family Residence
Stories
Two
Garage
2 spaces
MLS #
22121565
County
Marion
Subdivision
Watermark

About this home

Discover an exceptional downtown single-family residence ON THE CANAL/CULTURAL TRAIL/COLTS PLAYGROUND/GORGEOUS DOWNTOWN VIEWS OF INDIANAPOLIS SKYLINE in immaculate condition at 654 N Senate Ave. Boasting 3,776 square feet of refined living space, with MAIN FLOOR PRIMARY BEDROOM SUITE! You can BIKE to all downtown medical campuses! Property sits right on the amazing CULTURAL TRAIL, wonderful for biking, walking, running, pushing strollers, for an active yet leisurely lifestyle. Includes adorable courtyard, think 30-A Gulf Coast Florida, with beautiful brick FOUNTAIN water feature flanked by two large brick gas fire features to gather around, along with endless lawn to play for sophisticated city living. WALK to famous STUTZ Building around corner for neighborhood fav's, Cafe Patachou, Amelia's Bread, and Julieta Taco Shop! The heart of this home is an open-plan GOURMET kitchen with natural stone granite countertops, painted white cabinetry, recessed lighting, open to a spacious dining area, and seamlessly integrated with an amazing TWO-STORY GREAT ROOM WITH ENDLESS WINDOWS AND NATURAL LIGHT, and a gorgeous two-story gas fireplace with hardwood mantel and natural stone Quartzite surround. Extra high ceilings throughout main floor. Retreat to one of the three large bedroom suites, including a MAIN FLOOR PRIMARY BEDROOM SUITE with WALK IN CLOSET and elegant EN-SUITE LUXURY SPA BATH, walk in shower/separate soaking tub with jets. Do not miss the 2nd level SUNROOM/OFFICE, with amazing 2nd story views of Canal/Colts Playground. For more outdoor enjoyment and city views, an extra large ROOFTOP DECK offers a unique space for relaxation or social gatherings. Additional conveniences include main floor laundry, attached two-car garage, full finished lower level (with additional study/4th bedroom.) We invite you to explore the sophisticated charm and practical elegance of this home to imagine your own elevated urban lifestyle!

Description provided by the listing brokerage.

Interior

Appliances
Gas CooktopDishwasherDryerDisposalMicrowaveOvenRefrigeratorWasherGas Water HeaterWater PurifierWater Softener OwnedDown Draft
Interior features
Built-in FeaturesHigh CeilingsWalk-In Closet(s)Wood Work PaintedPaddle FanBath Sinks Double MainHi-Speed Internet AvailblWired for DataKitchen IslandPantry
Kitchen
Kitchen Updated
Other rooms and areas
Bath Jack-n-JillLiving Room - 2 StoryUtility Room
Flooring
Hardwood
Basement
Ceiling - 9+ feetFinishedFull
Fireplaces
1
Fireplace type
Gas LogLiving RoomMasonry
Laundry
Main LevelLaundry Room
Windows
Low-Emissivity Windows
Security
Smoke Detector(s)
Rooms
10
Main-level bedrooms
1

Exterior

Exterior features
Fire PitWater Feature FountainBalcony
Patio and porch
Deck
Construction
Wood Siding
Foundation
Concrete PerimeterFull
Style
Contemporary
Parking and garage
Attached
Waterfront
Water View
Other equipment
Security System OwnedSmoke AlarmSump Pump

Systems

Heating
Forced AirNatural Gas
Cooling
Central Air
Water
Public
Utilities
Cable Available

Lot and HOA

HOA fee
$300 / monthly
Lot features
Corner LotGated CommunityOn Trail
HOA fee includes
Association Home OwnersLawncareMaintenanceManagementSnow Removal

Schools

School district
Indianapolis Public Schools

Taxes

Estimated annual tax
$18,402 / yearTwice the semi-annual installment the listing reports.
Tax year
2025

Estimate your monthly payment

$5,257per month, estimated
Principal and interest $3,201Property tax $1,534Insurance $222HOA $300
20% · $127,000
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.

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Listed at$635,000
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