$199,500
Deep-water point lot with a covered slip
0 bd0 ba
0 sqft
80 ft shore
Crib dock with lift
$2,494/ft
Peninsula lot with water on three sides on Lake Shelbyville. Roughly 180 feet of owned shoreline on 3.8 acres, with 2 bedrooms across 2,700 square feet. No dock. Water clarity on Lake Shelbyville averages around 4 feet and the lake is classified managed for water level. Dock and shoreline work fall under USACE St. Louis District. This is a sample listing used to demonstrate the platform.
| Down payment | $59,000 |
| Closing costs (est. 2.4%) | $7,080 |
| Septic inspection & pump | $850 |
| Water quality testing | $400 |
| Waterfront home inspection | $800 |
| Survey (shoreline frontage) | $1,200 |
| Total | $69,330 |
| Principal & interest | $18,652 |
| Property taxes | $3,566 |
| Hazard insurance | $1,400 |
| Flood insurance | $2,400 |
| HOA / POA dues | $1,440 |
| Utilities | $3,645 |
| Maintenance reserve (1.1%) | $3,245 |
| Septic service | $520 |
| Well & water testing | $260 |
| Dock maintenance | $900 |
| Winterization / seasonal close | $750 |
| Shoreline / seawall reserve | $1,080 |
| Total | $37,858 |