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11990 Boat Dock Rd #49, Shelbyville, KY, 40065

2beds
1baths
400sqft
$65,000
$163price/sqft
$552/moest. monthly cost
$22,080/yrincome needed

About This Home

Beautiful and peaceful lake lot. Fully furnished in nautical theme. Master bedroom, 2nd bedroom with bunk beds, central HVAC, sunroom with full size futon. Outside has 3 swings, 2 metal table chair/set, 2 deck boxes & gas grill. Lake is perfect for boating & fishing.

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

4/10
Wright Elementary SchoolGrades K-51.2 mi
6/10
Shelby County East Middle SchoolGrades 6-81.2 mi
3/10
Shelby County High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1995

Type & Style

  • Home type: MobileManufactured

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Interior Area

  • Total interior livable area: 400 sqft

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
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Cold Wave
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 $328$3,936
Home Insurance *$31$372
Property Taxes $39$468
Electricity $154$1,850
Total$552$6,624
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

30% on housingRecommended$22,080/yr
35% on housing$18,925/yr
40% on housing$16,560/yr
45% on housing$14,720/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

$163This listing

vs Other Active Listings

Avg $/sqft

ZIP 40065$179
Shelby County$263

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)

No zestimate history available

Price History

DateEventPrice
2026-07-29Price change$65,000
2026-07-19Listed for sale$69,000

For Sale by Owner

Phone(502) 419-5068
View on Zillow

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