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1234 Breckinridge Way, Shelbyville, IN, 46176

3beds
3baths
2,906sqft
$398,900
$137price/sqft
$2,751/moest. monthly cost
$110,040/yrincome needed

About This Home

Seller is offering interest rate buydown with an acceptable offer, giving buyers the opportunity for a lower monthly payment! Better than new and only one owner! Easy living main level with loft is hard to find! spacious main-level w/Open Concept layout perfect for everyday life and entertaining. Oversized loft is ideal for a game room, workout area, 2nd living space, playroom, home offices or added bedrooms. Featuring generously sized rooms, dedicated laundry room, flex spaces including a 7x7 space perfect for an office, workshop, hobby room or extra storage. Modern, functional, and move in ready... this one checks ALL the boxes!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

6/10
6/10

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2024

Materials

  • Foundation: Slab
  • Construction materials: Brick

Other

  • Builder name: Silverthorne

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,ENERGY STAR Qualified Appliances,Disposal,MicroHood,Electric Oven,Refrigerator,Water Softener Rented
  • Laundry features: Laundry Room

Bedroom2

  • Level: Main
  • Area: 168
  • Dimensions: 14x12

Bedroom3

  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 3

Bonus Room

  • Level: Main
  • Area: 713
  • Dimensions: 31x23

Dining Room

  • Level: Main
  • Area: 192
  • Dimensions: 16x12

Features

  • Attic Access,Double Vanity,Breakfast Bar,Kitchen Island,Entrance Foyer,High Speed Internet,Pantry,Walk-In Closet(s)
  • Attic: Access Only

Foyer

  • Level: Main
  • Area: 152
  • Dimensions: 19x8

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,906
  • Total interior livable area: 2,906 sqft

Kitchen

  • Level: Main
  • Area: 192
  • Dimensions: 16x12

Laundry

  • Level: Main
  • Area: 54
  • Dimensions: 9x6

Living Room

  • Level: Main
  • Area: 252
  • Dimensions: 18x14

Master Bedroom

  • Level: Main
  • Area: 221
  • Dimensions: 17x13

Office

  • Level: Main
  • Area: 49
  • Dimensions: 7x7

Property

Details

  • Parcel number: 731118100107000023
  • Special condition: Sales Disclosure Supplements
  • Horse amenities: None

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Covered
  • Exterior features: Gutter Guards,Smart Light(s)
  • Fencing: Fenced,Fence Complete,Partial,Wrought Iron

Lot

  • Lot size: 0.29 Acres
  • Features: Access,Sidewalks,Street Lights,Trees-Small (Under 20 Ft)

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Drought
Hail
Inland Flooding
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Indiana Counties

Flood
Snowstorm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,017$24,204
Home Insurance *$246$2,952
Property Taxes $222$2,664
Electricity $266$3,196
Total$2,751$33,012
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,320/yr
40% on housing$82,530/yr
45% on housing$73,360/yr

Indiana FAIR Plan Programs

Indiana Basic Property Insurance Underwriting Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 810Commercial: 30
Total Premiums$1.77M
Total Exposure$1.82M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$137This listing

vs Other Active Listings

Avg $/sqft

ZIP 46176$109
Shelby County$110

vs Homes Sold Last Month

Median $/sqft

ZIP 46176$120
Shelby County$117

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-07-23Price change$398,900
2026-07-03Price change$400,000
2026-05-15Listed for sale$415,000
2024-03-16Listing removed--
2024-02-28Listed for sale--
2023-12-06Listing removed--
2023-11-03Price change$332,995
2023-10-04Listed for sale--
2023-06-16Listing removed--
2023-04-05Price change$349,995
2023-01-27Listed for sale$299,995

New Construction

AgentAnnie Nasby
BrokerageRunnebohm Realty, LLC

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