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801 N Shelby St, Gary, IN, 46403

2beds
2baths
1,600sqft
$280,000
$175price/sqft
$2,378/moest. monthly cost
$95,120/yrincome needed

About This Home

MILLER BEACH -- Welcome to 801 Shelby Street, a sun filled Duneland retreat where comfort, charm, and an unbeatable location come together in perfect harmony. This beautifully refreshed 2 bedroom, 2 bath home offers 1,600 sq ft of living space, thoughtfully designed to maximize natural light and easy living. An abundance of windows fills each room with warmth, while bamboo flooring adds a clean, modern touch throughout. Step inside to a welcoming living area anchored by a wood burning fireplace, ideal for cozy evenings. The primary bedroom provides a peaceful escape with its own full ensuite bath, offering privacy and relaxation. The spacious family room flows effortlessly through east facing sliding glass doors onto a rear patio--your new favorite spot for star lit alfresco dining, morning coffee, or sophisticated summer entertaining. The large 89' x 129' lot is fully fenced, offering both space and privacy, and includes a 1.5 car garage plus a charming "cottage style" outbuilding perfect for hobbies, storage, or creative use. Freshly painted and updated with modern amenities, this home blends comfort with character in a way that feels instantly welcoming. Truly an Unmatched Location & Lifestyle Here, every day invites you to embrace the best of Miller Beach living--from sunset strolls along the shoreline to spontaneous lakeside adventures. With Indiana Dunes National Park as your backdrop, this isn't just a home; it's a lifestyle legacy. Explore nearby cultural treasures including Marquette Park, the Tuskegee Air Museum, and the vibrant Miller Beach Arts & Creative District, offering boutique shops, a variety of dining options with Restaurants & Theater plays. The Shelby and Locust intersection is just steps away from this home, offering Dining, and Nightlife options. Commuting is effortless with quick access to the South Shore Line, the Tollway, I 65, and I 80/94. Miller Beach--Unparalleled in its offerings, unmatched in its lifestyle.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

3/10
Gary Middle SchoolGrades 6-80.8 mi
1/10

Construction

Condition

  • Year built: 1951

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Washer,Range Hood,Refrigerator
  • Laundry features: Main Level

Bedroom2

  • Area: 87.3
  • Dimensions: 9.0 x 9.7

Bedrooms & Bathrooms

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

Family Room

  • Area: 209.04
  • Dimensions: 15.6 x 13.4

Features

  • Ceiling Fan(s),Laminate Counters
  • Window features: Blinds
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area above ground: 1,600

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 1,600
  • Total interior livable area: 1,600 sqft

Kitchen

  • Area: 112
  • Dimensions: 10.0 x 11.2

Laundry

  • Area: 29.6
  • Dimensions: 4.0 x 7.4

Living Room

  • Area: 176.73
  • Dimensions: 12.9 x 13.7

Primary Bedroom

  • Area: 135
  • Dimensions: 9.0 x 15.0

Property

Details

  • Parcel number: 450533176009000004
  • Special condition: None

Features

  • Levels: One
  • Pool features: None
  • Patio & porch: Covered,Patio
  • Exterior features: Rain Gutters
  • Fencing: Chain Link,Fenced
  • Has view: Yes
  • View description: Neighborhood,Trees/Woods,Park/Greenbelt

Lot

  • Lot size: 0.26 Acres
  • Features: Back Yard,Near Public Transit,Front Yard,Few Trees

Parking

  • Total spaces: 1.5
  • Parking features: Garage Door Opener,Garage Faces Front,Driveway,Off Street
  • Has garage: Yes
  • Attached garage spaces: 1.5
  • Covered spaces: 1.5
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding
Lightning
Winter Weather
Tsunami

FEMA Declared Disasters Across Indiana Counties

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tornado

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 $1,415$16,980
Home Insurance *$222$2,664
Property Taxes $557$6,684
Electricity $184$2,212
Total$2,378$28,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,531/yr
40% on housing$71,340/yr
45% on housing$63,413/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$175This listing

vs Other Active Listings

Avg $/sqft

ZIP 46403$91
Lake County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 46403$100
Lake County$150

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
2026-03-23Price change$284,900
2026-02-27Listed for sale$299,900
2026-02-10Pending sale$299,900
2026-02-10Listed for sale$299,900
2020-10-22Listing removed$1,700
2020-10-01Sold$199,999
2020-09-22Listed for rent$1,700
2020-08-13Listed for sale$209,999
2015-08-25Sold$144,900
2006-07-27Sold$57,000

For Sale by Agent

AgentAlan Harrell
BrokerageMcColly Real Estate

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