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12295 Ridgeside Road

Indianapolis, IN 46256

PendingListed Sep 4, 2026 · 11 days on market

Key facts

Beds
5
Baths
4 full · 1 half
Living area
6,269 sqft
Lot
0.76 acres
Year built
1993
Type
Residential · Single Family Residence
Stories
Two
Garage
3 spaces
MLS #
22124424
County
Hamilton
Subdivision
Bridgewater
Total building area
6,463 sqft

About this home

Experience the Geist lifestyle with private dock access from your backyard and walkable convenience to Geist Marina, waterfront dining, shopping, and entertainment. Nestled on a spacious 0.76-acre lot in sought-after Bridgewater, 12295 Ridgeside Road includes a 1/10 ownership interest in the neighborhood's private waterfront and dock area, featuring a dedicated boat lift, canopy, and cover. Enjoy effortless access to Geist Reservoir while benefiting from the privacy and exclusivity of this exceptional property. Extensively updated over the past five years, this 5-bedroom home offers over 6,000 square feet of flexible living space, abundant natural light, and a walkout lower level. The main floor features a spacious primary suite, a dedicated home office, and open living areas overlooking the professionally landscaped property. Upstairs includes three additional ensuite bedrooms and an expansive finished bonus/dressing room ideal for a fitness area, studio, or extra office. The walkout lower level boasts 10-foot ceilings, a wet bar, a fifth bedroom, a full bath, and an open entertaining space alongside generous storage. Major recent improvements include a new roof and gutters (2025), a new HVAC system (2026), updated bathrooms and appliances, refreshed exterior paint, new concrete and walkways, a paver firepit, an upgraded 12-zone smart irrigation system, and enhanced attic and crawl space insulation. Conveniently located near Geist Marina, local dining, and shopping, this property combines luxury, modern updates, and a private waterfront setting.

Description provided by the listing brokerage.

Interior

Appliances
Electric CooktopDishwasherDown DraftDryerDisposalGas Water HeaterMicrowaveDouble OvenRefrigeratorWasherWater Softener OwnedWine Cooler
Interior features
Attic Pull Down StairsBath Sinks Double MainBuilt-in FeaturesCathedral Ceiling(s)Entrance FoyerPaddle FanHi-Speed Internet AvailblEat-in KitchenPantryWalk-In Closet(s)Wet BarWood Work Painted
Kitchen
Kitchen Updated
Other rooms and areas
Great Room - 2 Story
Basement
Ceiling - 9+ feetDaylightExterior EntryInterior EntryPartially FinishedStorage SpaceWalk-Out Access
Fireplaces
3
Fireplace type
Blower FanFamily RoomGreat Room
Laundry
Main Level
Windows
ScreensLow-Emissivity Windows
Rooms
12
Main-level bedrooms
1

Exterior

Exterior features
Gutter GuardsLightingFire PitSprinkler System
Patio and porch
CoveredScreened
Construction
BrickCement SidingStone
Foundation
Concrete Perimeter
Style
Cape Cod
Parking and garage
Attached
Waterfront
Lake FrontOn ReservoirDock
Other equipment
Smoke AlarmSump Pump

Systems

Heating
Forced AirNatural Gas
Cooling
Central Air
Water
Public
Utilities
Natural Gas Connected

Lot and HOA

HOA fee
$981 / semi-annually
Lot features
Mature Trees
HOA fee includes
MaintenanceManagementSecuritySnow RemovalTrash

Schools

School district
Hamilton Southeastern Schools

Taxes

Estimated annual tax
$10,870 / yearTwice the semi-annual installment the listing reports.
Tax year
2025

Estimate your monthly payment

$7,721per month, estimated
Principal and interest $6,296Property tax $906Insurance $437HOA $82
20% · $249,800
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$1,249,000
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