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1225 Charlotte Way

Shelbyville, IN 46176

ActiveListed Oct 6, 2026 · 15 days on market

Key facts

Beds
3
Baths
2 full · 1 half
Living area
1,712 sqft
Lot
0.22 acres
Year built
2000
Type
Residential · Single Family Residence
Stories
Two
Garage
2 spaces
MLS #
22128440
County
Shelby
Subdivision
Southern Trace

About this home

Two-story 3-bedroom, 2.5-bath home in Southern Trace with a functional main-level layout, pond view, and several recent updates. The main level includes a front living room, family room with gas fireplace, dining and kitchen area, half bath, laundry room, and updated LVP flooring. The kitchen features new laminate countertops, a new refrigerator and dishwasher, and an over-the-range microwave updated in 2024. The family room and kitchen have been freshly painted, and the rear deck has been refreshed with replacement boards where needed and a new deck coating, creating a usable outdoor space overlooking the pond. Upstairs includes two additional bedrooms, a full bathroom, and a primary suite with a private full bath, jetted tub, massive walk-in closet, and views over the pond. Additional updates include a roof reported to be approximately 3 years old, a new outside water mainline in 2024, and a newer smart garage door opener. Exterior features include an attached two car garage and two garden sheds for additional storage. The pond-view setting gives the backyard, deck, and primary suite a distinctive feature that sets this property apart from a typical subdivision lot. With multiple living areas, updated features, garage parking, storage space, and a pond-view backyard, this home offers a strong combination of space, function, and setting.

Description provided by the listing brokerage.

Interior

Appliances
DishwasherMicroHoodElectric OvenRefrigeratorGas Water HeaterMicrowave
Interior features
Attic AccessWalk-In Closet(s)Wood Work PaintedHi-Speed Internet AvailblKitchen IslandPantry
Kitchen
Kitchen Some Updates
Flooring
Hardwood
Fireplaces
1
Fireplace type
Gas LogLiving Room
Laundry
Laundry Room
Windows
ScreensVinyl Windows
Security
Smoke Detector(s)
Rooms
9

Exterior

Exterior features
Storage Shed
Patio and porch
DeckCovered
Construction
Vinyl SidingBrick
Foundation
Slab
Style
Traditional
Parking and garage
AttachedGarage Door Opener
View
Trees/WoodsNeighborhoodWater
Waterfront
Waterfront
Other equipment
Smoke Alarm

Systems

Heating
Forced AirNatural Gas
Cooling
Central Air
Water
Public
Utilities
Cable AvailableNatural Gas Connected

Lot and HOA

Lot features
Cul-De-Sac

Schools

Elementary school
William F Loper Elementary School
School district
Shelbyville Central Schools

Taxes

Estimated annual tax
$2,192 / yearTwice the semi-annual installment the listing reports.
Tax year
2025

Estimate your monthly payment

$1,530per month, estimated
Principal and interest $1,260Property tax $183Insurance $87
20% · $49,980
6.47%
Loan type
Loan term

Estimates only. This calculator does not give a quote. Defaults reflect Marion County / Indianapolis averages: property tax from this home's actual county bill, homeowners insurance at 0.42% annually. Conventional: PMI runs 0.55% of the loan annually when your down payment is below 20%, and drops automatically at 22% equity. Your real number depends on credit, taxes assessed for the parcel, escrow, condo insurance, and HOA. Rates as of May 2026 and subject to change.

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Listed at$249,900
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