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163 Ardmore Crossing Dr, Shelbyville, KY, 40065

4beds
3baths
2,265sqft
$389,900
$172price/sqft
$2,756/moest. monthly cost
$110,240/yrincome needed

About This Home

Move right in-no waiting to build! Welcome home to this beautifully upgraded 4-bedroom, 2.5-bath home in the highly sought-after Ardmore Crossing community. Designed for both everyday living and entertaining, the open-concept floor plan features a spacious kitchen with abundant cabinetry, generous counter space, and plenty of storage, all flowing seamlessly into the inviting living and dining areas. Upstairs, you'll find a versatile loft, brand-new carpet throughout the second floor, and a private primary retreat featuring an upgraded en-suite bath and two oversized custom walk-in closets. Step outside to the large patio, perfect for relaxing or hosting family and friends. Enjoy immediate occupancy in a walkable neighborhood just minutes from highways, schools, restaurants & entertainment.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

5/10
Marnel C. Moorman SchoolGrades K-80.4 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Stone Veneer

Type & Style

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

Interior

Basement

  • Basement: None

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Area

  • Level: First

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,265

Foyer

  • Level: First

Full Bathroom

  • Level: Second

Half Bathroom

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 2,265
  • Total interior livable area: 2,265 sqft

Kitchen

  • Level: First

Laundry

  • Level: Second

Living Room

  • Level: First

Loft

  • Level: Second

Mud Room

  • Level: First

Office

  • Level: First

Primary Bathroom

  • Level: Second

Primary Bedroom

  • Level: Second

Property

Details

  • Parcel number: 031B02246

Features

  • Stories: 2
  • Patio & porch: Patio
  • Fencing: None

Lot

  • Lot size: 6,969 sqft
  • Features: Cleared,Level

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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Cold Wave
Inland Flooding
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 $1,971$23,652
Home Insurance *$190$2,280
Property Taxes $417$5,004
Electricity $178$2,146
Total$2,756$33,072
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,491/yr
40% on housing$82,680/yr
45% on housing$73,493/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

$172This listing

vs Other Active Listings

Avg $/sqft

ZIP 40065$177
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
2026-07-31Listed for sale$389,900
2024-04-10Sold$310,000
2024-03-08Pending sale$335,000
2024-02-21Price change$335,000
2024-02-10Listed for sale$345,000
2021-09-13Listing removed--
2021-06-25Listed for sale$360,000
2021-01-19Sold$234,820

For Sale by Agent

AgentSuzie Findley
BrokerageUnited Real Estate Louisville

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