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208 Short St, Shelbyville, KY, 40065

3beds
1baths
1,022sqft
$209,900
$205price/sqft
$1,568/moest. monthly cost
$62,720/yrincome needed

About This Home

check out this fully updated brick ranch. Updated counters, cabinets and flooring throughout, you wont need to do anything to make this house your perfect starter home. Located conveniently near all the shopping and food Shelbyville has to offer and just a few minutes to I64.

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

4/10

Construction

Materials

  • Foundation: Crawl Space
  • Roof: Shingle
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: None

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,022

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,022
  • Total interior livable area: 1,022 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: S305004

Features

  • Stories: 1

Lot

  • Lot size dimensions: 00

Parking

  • Parking features: Driveway
  • Has uncovered spaces: Yes

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
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Cold Wave
Heat Wave
Ice Storm
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 $1,061$12,732
Home Insurance *$102$1,224
Property Taxes $251$3,012
Electricity $154$1,850
Total$1,568$18,816
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,760/yr
40% on housing$47,040/yr
45% on housing$41,813/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

$205This 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
2026-07-15Price change$209,900
2026-07-01Price change$215,000
2026-06-19Listed for sale$219,900
2025-06-12Sold$135,000

For Sale by Agent

AgentTom Waggener
BrokerageCaperton Realty

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