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2415 Derby Dr, Shelbyville, IN, 46176

5beds
3baths
3,220sqft
$399,900
$124price/sqft
$2,853/moest. monthly cost
$114,120/yrincome needed

About This Home

Welcome Home! Wonderful opportunity to live in the highly desirable Trotters Chase on one of the largest lots in the subdivision. This 5 bedroom, 2.5 bath brick beauty is on the pond, and across from an abundance of amenities including pickleball, the pool, basketball courts, and the clubhouse. With updates galore, you will be amazed from the second you walk through the front door. Fresh, neutral paint in the entryway, living room, dining room, kitchen, and upstairs hallway give this home a clean, bright canvas for new owners. This beautiful kitchen has a marble countertop, modern backsplash, and high-end appliances (Bosch dishwasher 2021) and (Samsung gas range/oven 2021). The open concept kitchen and great room is perfect for family gatherings, entertaining, or cozy nights in. The corner fireplace had new brick facing and a new mantle (2021). New Carpet (2025) in the giant great room and large bonus room upstairs. Space will not be an issue with 5 bedrooms, with walk in closets, and an enormous bonus room. Oversized 3 car garage makes storage easy. Don't miss this! Roof (2021) HVAC (2021)

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

5/10
6/10
6/10

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Block
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Gas Oven,Refrigerator,Water Softener Owned
  • Laundry features: Main Level

Bedroom2

  • Level: Upper
  • Area: 132
  • Dimensions: 12 x 11

Bedroom3

  • Level: Upper
  • Area: 132
  • Dimensions: 12 x 11

Bedroom4

  • Level: Upper
  • Area: 132
  • Dimensions: 12 x 11

Bedroom5

  • Level: Upper
  • Area: 108
  • Dimensions: 12 x 9

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Bonus Room

  • Level: Upper
  • Area: 396
  • Dimensions: 22 x 18

Breakfast Room

  • Level: Main
  • Area: 156
  • Dimensions: 12 x 13

Dining Room

  • Features: Tile-Ceramic
  • Level: Main
  • Area: 156
  • Dimensions: 13 x 12

Features

  • Attic Access,Double Vanity,Pantry,Walk-In Closet(s)
  • Number of fireplaces: 1
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: Access Only

Great Room

  • Level: Main
  • Area: 405
  • Dimensions: 27 x 15

Heating & Cooling

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

Interior Area

  • Total structure area: 3,220
  • Total interior livable area: 3,220 sqft

Kitchen

  • Level: Main
  • Area: 120
  • Dimensions: 12 x 10

Laundry

  • Level: Main
  • Area: 45
  • Dimensions: 9 x 5

Master Bedroom

  • Level: Upper
  • Area: 240
  • Dimensions: 16 x 15

Property

Details

  • Parcel number: 730720300032000024
  • Horse amenities: None

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Patio
  • Fencing: Fenced,Invisible
  • On waterfront: Yes
  • Waterfront features: Pond

Lot

  • Lot size: 0.41 Acres

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    TornadoVery High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Drought
Hail
Inland Flooding
Ice Storm
Lightning
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 $2,022$24,264
Home Insurance *$247$2,964
Property Taxes $289$3,468
Electricity $295$3,542
Total$2,853$34,236
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,817/yr
40% on housing$85,590/yr
45% on housing$76,080/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

$124This listing

vs Other Active Listings

Avg $/sqft

ZIP 46176$109
Shelby County$110

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
2026-05-05Price change$399,900
2026-04-13Price change$425,000
2026-01-15Listed for sale$449,000
2025-11-13Listing removed$430,000
2025-09-23Price change$430,000
2025-09-12Listed for sale$449,900
2021-06-30Sold$340,000
2021-06-02Pending sale$349,900
2021-05-28Price change$349,900
2021-04-03Price change$349,999
2020-11-23Price change$355,000
2020-11-20Listed for sale$350,000
2020-11-01Pending sale$350,000
2020-10-02Price change$350,000
2020-08-07Price change$375,500
2020-05-28Price change$340,000
2020-05-18Price change$346,000
2020-05-08Price change$348,500
2020-05-06Price change$348,900
2020-04-25Price change$349,000
2020-03-15Price change$349,500
2020-03-02Price change$350,000
2019-11-11Price change$355,000
2019-10-12Price change$360,000
2019-09-17Listed for sale$365,000

For Sale by Agent

AgentMelissa Mendoza
BrokerageCENTURY 21 Scheetz

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