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3408 Valley St, Catlettsburg, KY, 41129

2beds
1baths
1,426sqft
$119,900
$84price/sqft
$1,029/moest. monthly cost
$41,160/yrincome needed

About This Home

Charming meets modern in this beautifully remodeled 100+ year old two-story home! Thoughtfully updated throughout, this property offers peace of mind with major improvements completed in 2025, including new windows, doors, roof, and HVAC. Featuring 2 bedrooms plus a versatile third room off the primary bedroom—currently used as an oversized walk-in closet—this flexible space is perfect for a home office, nursery, or dressing room. The updated kitchen and bath blend style and functionality, while fresh neutral paint throughout creates a bright, move-in ready interior just waiting for your personal touch. Outside, enjoy a flat yard with potential to add off-street parking in the rear. The backyard also includes a storage building and a swing frame ready for your favorite porch swing or garden retreat. A fenced front yard provides a great space for kids or pets, and the inviting front porch is the perfect spot to relax and unwind. Don’t miss this unique blend of historic character and modern updates!

Getting Around

41
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

6/10
5/10
5/10
Boyd County High SchoolGrades 9-126.8 mi

Construction

Condition

  • Property condition: 50 or more Years

Materials

  • Foundation: Block
  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,426

Heating

  • Heating features: Natural Gas

Interior Area

  • Total structure area: 1,426
  • Total interior livable area: 1,426 sqft

Property

Details

  • Parcel number: 040060500900

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Porch
  • Topography of land: Level

Parking

  • Parking features: No Garage

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 FloodingRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Inland Flooding
Ice Storm
Lightning
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 $606$7,272
Home Insurance *$118$1,416
Property Taxes $151$1,812
Electricity $154$1,850
Total$1,029$12,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,280/yr
40% on housing$30,870/yr
45% on housing$27,440/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

$84This listing

vs Other Active Listings

Avg $/sqft

ZIP 41129$126
Boyd County$95

vs Homes Sold Last Month

Median $/sqft

ZIP 41129$95
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)

Price History

DateEventPrice
2026-04-25Listed for sale$134,900
2024-02-23Sold$20,000
2024-02-12Pending sale$32,500
2024-02-12Contingent$32,500
2024-01-09Listed for sale$32,500
2023-11-11Listing removed--
2023-05-13Listed for sale$35,000

For Sale by Agent

AgentAngela Coovert
BrokerageRoss Real Estate Services

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