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1313 Washington St Unit 1, Shelbyville, KY, 40065

2beds
2baths
1,260sqft
$244,000
$194price/sqft
$1,654/moest. monthly cost
$66,160/yrincome needed

About This Home

Rare Opportunity! 1st floor condo in Downtown Shelbyville that is maintenance-free living. Featuring 9' ceilings, spacious Family Room, Eat-in Kitchen, Laundry, Primary Bedroom and Bath, as well as 2nd bedroom and Full Bath. Attached 1 car garage. Nice front porch and patio area. Seller is offering carpet allowances.

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

4/10

Construction

Condition

  • Year built: 2007

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Brick

Type & Style

  • Home type: Condo
  • Architectural style: Traditional
  • Property subType: Condominium

Interior

Basement

  • Basement: None

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Area

  • Level: First

Family Room

  • Level: First

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,260

Full Bathroom

  • Level: First

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,260
  • Total interior livable area: 1,260 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Property

Details

  • Parcel number: S506009A

Features

  • Stories: 1

Parking

  • Total spaces: 1
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Cold Wave
Inland Flooding
Winter Weather

FEMA Declared Disasters Across Kentucky Counties

Flood
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Winter Storm

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 $1,233$14,796
Home Insurance *$119$1,428
Property Taxes $148$1,776
Electricity $154$1,850
Total$1,654$19,848
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,708/yr
40% on housing$49,620/yr
45% on housing$44,106/yr

Kentucky FAIR Plan Programs

Kentucky FAIR Plan Reinsurance Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,102Commercial: 175
Total Premiums$2.55M
Total Exposure$206.09M

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: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$194This listing

vs Other Active Listings

Avg $/sqft

ZIP 40065$178
Shelby County$262

vs Homes Sold Last Month

Median $/sqft

ZIP 40065$168
Shelby County$161

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)

Price History

DateEventPrice
2026-03-24Price change$249,000
2026-03-11Listed for sale$255,000
2012-11-16Listing removed$104,900
2012-06-01Price change$104,900
2012-02-14Listed for sale$113,000

For Sale by Agent

AgentLarry K Rogers
BrokerageColdwell Banker Larry Rogers

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