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1034 S Shelby St, Louisville, KY, 40203

2beds
2baths
1,160sqft
$279,000
$241price/sqft
$2,058/moest. monthly cost
$82,320/yrincome needed

About This Home

A complete transformation! This home is truly a MOVE IN ready home with TWO full baths! Every inch of this home has been thoughtfully reimagined with quality craftsmanship, timeless finishes, and an attention to detail that's impossible to miss. From the moment you step in, you'll notice the bright, open feel and the perfect blend of modern style and historic character. Major improvements provide peace of mind for years to come, including a NEW roof, NEW HVAC system, NEW kitchen, NEW bathrooms, NEW waterproof flooring, appliances, fresh paint, sod, and many new windows and more. Furnishings are negotiable... Every update was completed with care, creating a home that's as functional as it is beautiful. Perfectly positioned right on the edge of Germantown and Shelby Park, you'll enjoy one of Louisville's most convenient urban lifestyles. Spend your weekends exploring Logan Street Market, Paristown Pointe, Nulu, the Highlands, downtown Louisville, the Medical District, and countless local restaurants, breweries, coffee shops, and entertainment... all just minutes from your front door. Schedule your private showing today!

Getting Around

82
WalkingVery Walkable
0
TransitVery Limited Transit
68
BikeBikeable

Schools

2/10
5/10
Meyzeek Middle SchoolGrades 6-80.5 mi
8/10
Atherton High SchoolGrades 9-123.3 mi

Construction

Condition

  • Year built: 1910

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

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

Interior

Basement

  • Basement: Cellar,Exterior Entry

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,160

Full Bathroom

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 1,160
  • Total interior livable area: 1,160 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Primary Bathroom

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 022G00690000

Features

  • Stories: 1
  • Patio & porch: Porch
  • Fencing: Full

Lot

  • Lot size: 3,920 sqft
  • Features: Sidewalk,Level

Parking

  • Total spaces: 2
  • Parking features: On Street,Detached,Entry Front,Entry Rear
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Inland Flooding
Tornado
Cold Wave
Earthquake
Heat Wave

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 $1,410$16,920
Home Insurance *$313$3,756
Property Taxes $181$2,172
Electricity $154$1,850
Total$2,058$24,696
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,560/yr
40% on housing$61,740/yr
45% on housing$54,880/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: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$241This listing

vs Other Active Listings

Avg $/sqft

ZIP 40203$100
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40203$139
Jefferson County$160

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
2026-08-13Price change$274,900
2026-07-31Listed for sale$279,000
2026-07-30Listing removed$279,000
2026-07-27Contingent$279,000
2026-07-24Listed for sale$279,000
2025-12-12Sold$98,000
2025-11-24Pending sale$132,500
2025-11-20Contingent$132,500
2025-11-05Listed for sale$132,500
2013-04-24Sold$50,000
2009-05-23Listing removed$70,000
2008-11-23Listed for sale$70,000

For Sale by Agent

AgentChristy Webster
BrokerageUnited Real Estate Louisville

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