20 Hearthstone Ct, Florence, KY, 41042
About This Home
Beautifully updated and move-in ready, this charming bi-level home offers a wonderful blend of comfort, style, and convenience. Step inside to discover durable tile flooring and an updated kitchen featuring quartz countertops, abundant cabinet space, and ample workspace for both everyday living and entertaining. The versatile floor plan provides spacious living areas designed to accommodate a variety of needs and lifestyles. Outside, enjoy a generously sized lot complete with a deck, an above-ground pool with a newer liner, and a covered tiki bar--creating the perfect backdrop for summer gatherings, outdoor dining, or simply unwinding at home. Situated on a cul-de-sac, this property offers a desirable setting while remaining conveniently close to shopping, dining, parks, schools, and major commuter routes. Major updates provide added peace of mind, including the roof, HVAC system, and windows, all updated in 2018. Combining modern updates, inviting outdoor amenities, and a convenient Florence location, this home is ready for its next owner to move in and enjoy. Don't miss the opportunity to make this exceptional property your own!
Getting Around
Car-Dependent
Minimal Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1990
Materials
- Foundation: Poured Concrete
- Roof: Shingle
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Transitional
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Electric Oven,Dishwasher,Microwave,Refrigerator
- Laundry features: Lower Level
Bathroom2
- Features: Tub,Tile Flooring
- Level: Upper
- Area: 32
- Dimensions: 4 x 8
Bedroom2
- Features: Ceiling Fan(s),Laminate Flooring
- Level: Upper
- Area: 81
- Dimensions: 9 x 9
Bedroom3
- Features: Ceiling Fan(s),Laminate Flooring
- Level: Upper
- Area: 88
- Dimensions: 11 x 8
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Features: Tile Flooring,Walk-Out Access
- Level: Upper
- Area: 100
- Dimensions: 10 x 10
Entry
- Features: Tile Flooring
- Level: First
- Area: 18
- Dimensions: 6 x 3
Family Room
- Features: Laminate Flooring,Ceiling Fan(s)
- Level: Lower
- Area: 264
- Dimensions: 22 x 12
Features
- Window features: Vinyl Frames
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,080
- Total interior livable area: 1,080 sqft
Kitchen
- Features: Tile Flooring
- Level: Upper
- Area: 100
- Dimensions: 10 x 10
Laundry
- Features: Laminate Flooring
- Level: Lower
- Area: 42
- Dimensions: 7 x 6
Living Room
- Features: Ceiling Fan(s),Tile Flooring
- Level: Upper
- Area: 182
- Dimensions: 13 x 14
Primary Bath
- Features: Shower With Bench,Tile Flooring
- Level: Upper
- Area: 32
- Dimensions: 8 x 4
Primary Bedroom
- Features: Bath Adjoins,Ceiling Fan(s)
- Level: Upper
- Area: 120
- Dimensions: 10 x 12
Property
Details
- Parcel number: 062.0029259.00
Features
- Levels: Bi-Level
- Patio & porch: Deck
Lot
- Lot size: 0.28 Acres
- Features: Cul-De-Sac
- Lot size dimensions: IRR
Parking
- Total spaces: 2
- Parking features: Attached,Garage Faces Front
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Cold Wave
- Lightning
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters Across Kentucky Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,516 | $18,192 |
| Home Insurance * | $148 | $1,776 |
| Property Taxes | $179 | $2,148 |
| Electricity | $154 | $1,850 |
| Total | $1,997 | $23,964 |
Income You'd Need if You Spent...
Kentucky FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-06 | Pending sale | $300,000 |
| 2026-07-31 | Listed for sale | $300,000 |
| 2026-07-22 | Pending sale | $300,000 |
| 2026-07-16 | Listed for sale | $300,000 |
| 1997-03-20 | Sold | $98,000 |
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