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1040 Water Street, Charlestown, IN 47111

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For Sale

$399,900

5 beds • 3 baths • 2,190 sqft

Estimated Payment

$      /mo. †

APR for 30 years

Change Loan Terms

  • Single Family Detached
    Property type

  • Newly Listed
    Time on Century 21

  • $182.60
    Price per square foot

  • Over 50 Years Old
    Age

Explore this Property

This stunning 1.5 story home, located in the historic section of Charlestown, was originally built in 1900 & has been lovingly cared-for & restored. This beauty sits on a large lot w/mature trees, beautiful landscaping & plenty of room to enjoy outdoor entertaining on the double deck & spacious patio. Original floors with inlays, beautiful crown molding & stunning fireplace set the living room apart. The formal dining room shines with a wall of windows & built-in bench. Kitchen is a chef's dream w/newer stainless appliances, double oven, spacious Granite countertops & patio doors that lead to the deck. Main floor is completed w/2 large bedrooms & full bath. Upstairs features 3 spacious bedrooms & full bath. Basement is mostly finished (non-conforming) with another full bath, family room, storage, flex room & large laundry rm. Walk out the back to the 2.5 car garage or enjoy the gorgeous front porch. You'll love this home for years to come.
MLS# 2025011213

Courtesy Of Ward Realty Services

(812) 200-2838

Open Houses

September

28

Sunday

In Person

Sunday, September 28, 2025

2:00PM - 4:00PM

Property Features

  • Age
    Over 50 Years Old
  • Amenities
    Deck, Porch, Patio, Ceiling Fan
  • Appliances
    Dishwasher, Dryer, Garbage Disposer, Microwave, Range, Refrigerator, Washer
  • Architecture Style
    Other
  • Fireplace
    Fireplace
  • Heating System
    Forced Air
  • Lot Size
    0.38 Acres
  • Rooms
    Basement, Family Room, Kitchen

Map and Directions

Directions to 1040 Water Street, Charlestown, IN 47111

Home seller CENTURY 21 River Valley Real Estate, Inc.

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 River Valley Real Estate, Inc.

(812) 273-1234
Learn More About Us

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Monthly Payment Breakdown

  • Principle and Interest
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  • Property Taxes
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  • Hazard Insurance
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  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
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Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

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Copyright © 2025 Southern Indiana REALTORS Association. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

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This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.