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513 S West St, Shelbyville, IN, 46176

2beds
2baths
2,720sqft
$198,900
$73price/sqft
$1,625/moest. monthly cost
$65,000/yrincome needed

About This Home

The main level features a spacious living room highlighted by a fireplace, a separate dining room, and a dedicated laundry room for added convenience. Recent interior updates include new flooring, an updated kitchen with refreshed finishes, and renovated bathrooms. The roof is less than 1 year old with new exterior siding, as well. Outside, the fully fenced backyard with privacy fencing creates a comfortable setting and enjoyment. Off street parking via alleyway to the rear of the property. Book your showing today. ***Seller willing to wall off door between bedrooms before closing if an appropriate offer is received***

Getting Around

63
WalkingSomewhat Walkable
0
TransitVery Limited Transit
60
BikeBikeable

Schools

6/10
6/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1959

Materials

  • Foundation: Block
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Electric Oven
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes

Bedroom2

  • Level: Main
  • Dimensions: —

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Dimensions: —

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,720
  • Total interior livable area: 2,720 sqft

Kitchen

  • Level: Main
  • Dimensions: —

Living Room

  • Level: Main
  • Dimensions: —

Master Bedroom

  • Level: Main
  • Dimensions: —

Mud Room

  • Level: Main
  • Dimensions: —

Property

Details

  • Parcel number: 731106200536000002
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered
  • Fencing: Fenced,Privacy

Lot

  • Lot size: 6,098 sqft

Parking

  • Parking features: None,Detached

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 $1,005$12,060
Home Insurance *$122$1,464
Property Taxes $249$2,988
Electricity $249$2,992
Total$1,625$19,500
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,714/yr
40% on housing$48,750/yr
45% on housing$43,333/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

$73This 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)

Price History

DateEventPrice
2026-04-26Price change$199,900
2026-04-14Price change$201,900
2026-02-21Listed for sale$205,000
2007-10-30Sold$20,000
2007-07-06Sold$34,230

For Sale by Agent

AgentSamantha Huesman
BrokeragePillario Property Management LLC

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