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848 39th St, Ashland, KY, 41101

2beds
1baths
896sqft
$54,900
$61price/sqft
$540/moest. monthly cost
$21,600/yrincome needed

About This Home

The auction for this Hubzu property ends 05-20-2026 at 01:00 PM ET. Why wait? Bid on this property now. Visit Hubzu to get started. Great Opportunity to own this single-family home oozing with potential. This home was built in 1945 and has 2 bedrooms and 1 bathrooms. ***SPECIAL NOTES: (1) This is a CASH ONLY transaction. (2) Seller to pay Taxes, HOA, and Municipal/Utility Liens. (3) Please read the Auction disclaimers carefully before placing a bid or submitting an offer. ***

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

6/10
Ashland Middle SchoolGrades 6-81.6 mi
5/10

Construction

Condition

  • Year built: 1945

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1

Interior Area

  • Total structure area: 896
  • Total interior livable area: 896 sqft

Property

Details

  • Parcel number: 038030501200

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

  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Inland Flooding
Ice Storm
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Kentucky Counties

Flood
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Winter Storm

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 $277$3,324
Home Insurance *$46$552
Property Taxes $63$756
Electricity $154$1,850
Total$540$6,480
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$18,514/yr
40% on housing$16,200/yr
45% on housing$14,400/yr

Kentucky FAIR Plan Programs

Kentucky FAIR Plan Reinsurance Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,102Commercial: 175
Total Premiums$2.55M
Total Exposure$206.09M

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: 6.2%
6.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -9.1%
-9.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$61This listing

vs Other Active Listings

Avg $/sqft

ZIP 41101$100
Boyd County$96

vs Homes Sold Last Month

Median $/sqft

ZIP 41101$110
Boyd County$104

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

DateEventPrice
2026-05-14Listed for sale$54,900
2026-05-13Listing removed$54,900
2026-05-07Listed for sale$54,900
2026-05-06Listing removed$54,900
2026-04-30Listed for sale$54,900
2026-04-29Listing removed$54,900
2026-04-23Listed for sale$54,900
2026-04-22Listing removed$54,900
2026-04-16Listed for sale$54,900
2026-04-15Listing removed$54,900
2026-04-09Listed for sale$54,900
2026-04-08Listing removed$54,900
2026-04-02Listed for sale$54,900

For Sale by Agent

AgentNOT APPLICABLE

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