# 12162 Pearl Bay Ridge, Indianapolis, IN 46236 > **TL;DR:** 6bd/6ba single family, $1,999,999 ($288/sqft), built 1991, 6,935 sqft. > Pool, Spa, Fireplace, Waterfront. Est. $11,121/mo. Listed 56 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,999,999 | | Price/sqft | $288 | | Bedrooms | 6 | | Bathrooms | 4 full, 2 half | | Square Feet | 6,935 | | Year Built | 1991 | | Lot Size | 30,492 sqft (0.70 acres) | | Stories | 2 | | Garage | 3-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 56 | ## Why This Home Stands Out - **Pool** - Deck - **Waterfront** - Waterfront location listed - **Views** - Water, Lake - **Large Garage** - 3-car garage ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $10,113 | | Estimated Insurance | $583 | | HOA | $425 | | **Total** | **$11,121** | ## Nearby Schools - **Elementary:** Amy Beverland Elementary - **Middle:** Belzer Middle School - **High:** Lawrence Central High School ## Key Amenities - Pool - Spa - Fireplace - Waterfront - View - A/C - RV Parking - 3-car garage ## Property Highlights - Built in 1991 - 0.70 acre lot - 2 stories - Private pool - Fireplace - Waterfront ## Description ### Agent Description WOW Price Improvement UNDER 2 Million on Geist...The Ultimate Waterfront Paradise: Luxury Lakefront Living Refined. The all-brick Geist Reservoir estate is nestled in a private, beautifully landscaped setting, Welcome to the 6-bedroom, 6-bathroom luxury sanctuary delivers panoramic water and pool views from almost every vantage point. The main level maximizes the sweeping waterfront backdrop, offering sophisticated spaces with brand-new premium waterproof luxury vinyl flooring across all levels. Features include a primary suite with water views and a convenient second main-floor bedroom with a newly updated full bath. The beautifully appointed kitchen was updated in 2024 with elevated quartz, a built-in coffee bar, a Sub-Zero fridge, and premium Wolf induction appliances. Custom cast-iron railings lead upstairs, while the walk-out lower level serves as an entertainer's dream with a second Quartz clad wet bar including double drawer dishwashers with Long bar counter. Don't miss the Amazing free standing Wine cage! Multiple fireplaces feature new marble surrounds and stone hearths. Major updates include a new HVAC (2023) and a tankless water heater. Step outside into a private oasis: lounge by the heated inground pool and sun deck, or mix drinks at the covered outdoor bar with a wet sink. Your private boat dock is just steps away for instant access to open-water cruising and watersports. Irrigation and an electric fence are in place. Don't miss this price improvement! ## Location - **Address:** 12162 Pearl Bay Ridge, Indianapolis, IN 46236 - **County:** Marion - **Neighborhood:** Admirals Pointe - **Coordinates:** 39.919286, -85.949347 - **Google Maps:** https://www.google.com/maps?q=39.919286,-85.949347 ## Virtual Tour & Media - **Video Tour:** https://www.zillow.com/view-imx/d4c7af30-0765-4ef0-806a-93ca087f8bf2?initialViewType=pano ## Listing Agent - **Name:** Deborah Minth - **Brokerage:** SGA Enterprises, Inc - **Broker Phone:** (317) 255-7285 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/12162-Pearl-Bay-Rdg_Indianapolis_IN_46236_M35583-20038?f=listhub&s=MIBORIN&m=22120789&c=propsimple) ## Photos ![12162 Pearl Bay Ridge - Photo 1](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3010333547r.jpg) ![12162 Pearl Bay Ridge - Photo 2](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f1332688237r.jpg) ![12162 Pearl Bay Ridge - Photo 3](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f2462444280r.jpg) ![12162 Pearl Bay Ridge - Photo 4](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3397869451r.jpg) ![12162 Pearl Bay Ridge - Photo 5](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f952402890r.jpg) ![12162 Pearl Bay Ridge - Photo 6](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3470149495r.jpg) ![12162 Pearl Bay Ridge - Photo 7](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3032233997r.jpg) ![12162 Pearl Bay Ridge - Photo 8](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f1431213171r.jpg) ![12162 Pearl Bay Ridge - Photo 9](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f1431213171r.jpg) ![12162 Pearl Bay Ridge - Photo 10](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f441622733r.jpg) ![12162 Pearl Bay Ridge - Photo 11](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f519559759r.jpg) ![12162 Pearl Bay Ridge - Photo 12](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3530840742r.jpg) ![12162 Pearl Bay Ridge - Photo 13](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f2408946545r.jpg) ![12162 Pearl Bay Ridge - Photo 14](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f2396803723r.jpg) ![12162 Pearl Bay Ridge - Photo 15](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f1515428191r.jpg) ![12162 Pearl Bay Ridge - Photo 16](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f2529082178r.jpg) ![12162 Pearl Bay Ridge - Photo 17](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f1515428191r.jpg) ![12162 Pearl Bay Ridge - Photo 18](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f1515428191r.jpg) ![12162 Pearl Bay Ridge - Photo 19](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3358456377r.jpg) ![12162 Pearl Bay Ridge - Photo 20](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f475220757r.jpg) ![12162 Pearl Bay Ridge - Photo 21](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3358456377r.jpg) ![12162 Pearl Bay Ridge - Photo 22](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f475220757r.jpg) ![12162 Pearl Bay Ridge - Photo 23](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f1170150785r.jpg) ![12162 Pearl Bay Ridge - Photo 24](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f475220757r.jpg) ![12162 Pearl Bay Ridge - Photo 25](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3941559398r.jpg) ![12162 Pearl Bay Ridge - Photo 26](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3398298392r.jpg) ![12162 Pearl Bay Ridge - Photo 27](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3120215668r.jpg) ![12162 Pearl Bay Ridge - Photo 28](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3398298392r.jpg) ![12162 Pearl Bay Ridge - Photo 29](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3120215668r.jpg) ![12162 Pearl Bay Ridge - Photo 30](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f603445468r.jpg) ![12162 Pearl Bay Ridge - Photo 31](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f603445468r.jpg) ![12162 Pearl Bay Ridge - Photo 32](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f603445468r.jpg) ![12162 Pearl Bay Ridge - Photo 33](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3082965610r.jpg) ![12162 Pearl Bay Ridge - Photo 34](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3082965610r.jpg) ![12162 Pearl Bay Ridge - Photo 35](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3082965610r.jpg) ![12162 Pearl Bay Ridge - Photo 36](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f1728781880r.jpg) ![12162 Pearl Bay Ridge - Photo 37](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f441622733r.jpg) ![12162 Pearl Bay Ridge - Photo 38](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f441622733r.jpg) ![12162 Pearl Bay Ridge - Photo 39](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f2945443527r.jpg) ![12162 Pearl Bay Ridge - Photo 40](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f2739545208r.jpg) ![12162 Pearl Bay Ridge - Photo 41](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f4265453023r.jpg) ![12162 Pearl Bay Ridge - Photo 42](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f4064120356r.jpg) ![12162 Pearl Bay Ridge - Photo 43](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f1869265005r.jpg) ![12162 Pearl Bay Ridge - Photo 44](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f1869265005r.jpg) ![12162 Pearl Bay Ridge - Photo 45](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f4064120356r.jpg) ![12162 Pearl Bay Ridge - Photo 46](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f2371194509r.jpg) ![12162 Pearl Bay Ridge - Photo 47](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f967530108r.jpg) ![12162 Pearl Bay Ridge - Photo 48](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f2371194509r.jpg) ![12162 Pearl Bay Ridge - Photo 49](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f2371194509r.jpg) ![12162 Pearl Bay Ridge - Photo 50](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3578982025r.jpg) ![12162 Pearl Bay Ridge - Photo 51](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f765386923r.jpg) ![12162 Pearl Bay Ridge - Photo 52](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3286003076r.jpg) ![12162 Pearl Bay Ridge - Photo 53](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3578982025r.jpg) ![12162 Pearl Bay Ridge - Photo 54](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f1621666955r.jpg) ![12162 Pearl Bay Ridge - Photo 55](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3286003076r.jpg) ![12162 Pearl Bay Ridge - Photo 56](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3794945875r.jpg) ![12162 Pearl Bay Ridge - Photo 57](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f1112868884r.jpg) ![12162 Pearl Bay Ridge - Photo 58](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f2476608044r.jpg) ![12162 Pearl Bay Ridge - Photo 59](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f4077708409r.jpg) ![12162 Pearl Bay Ridge - Photo 60](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f2476608044r.jpg) ![12162 Pearl Bay Ridge - Photo 61](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f1496602677r.jpg) ![12162 Pearl Bay Ridge - Photo 62](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f1116238730r.jpg) ![12162 Pearl Bay Ridge - Photo 63](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f1496602677r.jpg) ![12162 Pearl Bay Ridge - Photo 64](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f1116238730r.jpg) ![12162 Pearl Bay Ridge - Photo 65](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f3192823560r.jpg) ![12162 Pearl Bay Ridge - Photo 66](http://lh.rdcpix.com/479aef4e5457a37690a3bfcc9083145bl-f35260054r.jpg) --- **MLS#:** 22120789 | **Updated:** 2026-10-27 **Source:** listhub *Copyright © 2026 Broker Listing Cooperative®. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/12162-pearl-bay-ridge-indianapolis-in-46236-0b4ebf3c5f4f425d8cb991c9f35b83a0) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/12162-pearl-bay-ridge-indianapolis-in-46236-0b4ebf3c5f4f425d8cb991c9f35b83a0#listing", "url": "https://staging.propertysimple.ai/listing/12162-pearl-bay-ridge-indianapolis-in-46236-0b4ebf3c5f4f425d8cb991c9f35b83a0", "name": "12162 Pearl Bay Ridge, Indianapolis, IN 46236", "description": "WOW Price Improvement UNDER 2 Million on Geist...The Ultimate Waterfront Paradise: Luxury Lakefront Living Refined. 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