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106 4th St, Shelbyville, IN, 46176

2beds
1baths
1,680sqft
$144,900
$86price/sqft
$1,005/moest. monthly cost
$40,200/yrincome needed

About This Home

Come see this charming bungalow on 4th Street. This 2bed, 1bath home offers a bright kitchen with a breakfast area and included appliances, a spacious living room, and a formal dining room. Enjoy a covered front porch, a back patio, offstreet parking, and a full unfinished basement for storage. A cozy, wellkept home with great everyday convenience.

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
51
BikeBikeable

Schools

6/10
6/10

Construction

Condition

  • Year built: 1925

Materials

  • Foundation: Block,Full
  • Construction materials: Other

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater,Gas Oven,Refrigerator
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom2

  • Level: Main
  • Area: 88
  • Dimensions: 11x08

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Breakfast Room

  • Level: Main
  • Area: 66
  • Dimensions: 11x06

Dining Room

  • Level: Main
  • Area: 132
  • Dimensions: 11x12

Features

  • Attic Access
  • Attic: Access Only
  • Finished area below ground: 0

Heating & Cooling

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

Interior Area

  • Total structure area: 1,680
  • Total interior livable area: 1,680 sqft

Kitchen

  • Level: Main
  • Area: 30
  • Dimensions: 05x06

Living Room

  • Level: Main
  • Area: 253
  • Dimensions: 11x23

Master Bedroom

  • Level: Main
  • Area: 99
  • Dimensions: 11x09

Property

Details

  • Parcel number: 731105300337000002
  • Special condition: As Is
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Patio

Lot

  • Lot size: 3,049 sqft
  • Features: City Lot,Curbs,Irregular Lot,Sidewalks,Storm Sewer,Street Lights

Parking

  • Parking features: Alley Access

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

  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Hail
Strong Wind
Winter Weather

FEMA Declared Disasters Across Indiana Counties

Flood
Snowstorm

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 $732$8,784
Home Insurance *$89$1,068
Property Taxes $0$0
Electricity $184$2,212
Total$1,005$12,060
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$34,457/yr
40% on housing$30,150/yr
45% on housing$26,800/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: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$86This listing

vs Other Active Listings

Avg $/sqft

ZIP 46176$110
Shelby County$111

vs Homes Sold Last Month

Median $/sqft

ZIP 46176$120
Shelby County$117

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
2026-08-03Price change$144,900
2026-07-06Listed for sale$149,900

For Sale by Agent

AgentAmy Limpus
BrokerageThe Property Shop of Indiana

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