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515 Cardinal Ter, Danville, KY, 40422

4beds
3baths
4,367sqft
$599,999
$137price/sqft
$3,812/moest. monthly cost
$152,480/yrincome needed

About This Home

This 4-bedroom, 3-bath home is filled with character, space, style, and heart. Nestled on nearly two acres within the city service area, yet served by Boyle County Schools, this stunning mid-century home wows you from the moment you walk through the front door. The main level features hardwood flooring, multiple thoughtfully designed built-ins, soaring ceilings, crown molding, an open kitchen, a butler's pantry, multiple beautiful gas log fireplaces, formal living spaces, sunlit rooms, recreation space, a laundry area, an updated hall bathroom, and a mudroom. The stunning primary suite has been thoughtfully renovated to include a coffee bar, electric fireplace, multiple closets, and a spa-worthy walk-in shower. Upstairs, you will find three large bedrooms—some with walk-in closets—a second full-size laundry room, an updated hall bath, a cozy nook for guests, a lounge area, and walk-in attic storage. This level offers generous space and versatility, with an opportunity for a new owner to make a few cosmetic updates over time. Outside, enjoy an inviting front porch overlooking the large yard and creek, as well as a patio overlooking the partially fenced backyard. The property also includes multiple sheds and offers stunning views. With many updates already completed, this home has been thoughtfully priced to allow for personal touches and continued enhancement. All of this is situated just one mile from downtown Danville and less than 30 miles from Lexington, with convenient access to the 2168 connector road, leading to US 127 in minutes.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

10/10
7/10
10/10
Boyle County High SchoolGrades 9-123.6 mi

Construction

Condition

  • Year built: 1968

Materials

  • Foundation: Block
  • Roof: Dimensional Style
  • Construction materials: Vinyl Siding,Solid Masonry

Type & Style

  • Home type: SingleFamily
  • Architectural style: Mid-Century Modern
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Refrigerator
  • Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup,Upper Level

Basement

  • Basement: Crawl Space

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bathroom3

  • Level: Second

Bathroom4

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Bonus Room

  • Level: First

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Breakfast Bar,Walk-In Closet(s)
  • Window features: Blinds
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 3
  • Fireplace features: Electric,Family Room,Gas Log,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 4,367

Foyer

  • Level: First

Heating & Cooling

  • Heating features: Heat Pump,Ductless
  • Cooling features: Heat Pump,Window Unit(s),Wall Unit(s)

Interior Area

  • Total structure area: 4,367
  • Total interior livable area: 4,367 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Office

  • Level: First

Utility Room

  • Level: First

Utility Room

  • Level: Second

Property

Details

  • Parcel number: 045000059

Features

  • Levels: One and One Half
  • Fencing: Partial,Wood,Wire

Lot

  • Lot size: 1.91 Acres

Parking

  • Parking features: Driveway
  • Has uncovered spaces: Yes

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

  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Inland Flooding
Lightning
Tornado
Winter Weather
Hail
Ice Storm

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 $3,033$36,396
Home Insurance *$434$5,208
Property Taxes $1$12
Electricity $344$4,138
Total$3,812$45,744
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$130,697/yr
40% on housing$114,360/yr
45% on housing$101,653/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$137This listing

vs Other Active Listings

Avg $/sqft

ZIP 40422$150
Boyle County$169

vs Homes Sold Last Month

Median $/sqft

ZIP 40422$153
Boyle County$162

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
2026-05-01Price change$619,999
2026-03-17Listed for sale$624,999
2015-10-15Sold$270,000
2015-08-10Pending sale$279,500
2015-04-22Listed for sale$279,500
2015-04-02Pending sale$279,500
2015-03-03Listed for sale$279,500
2015-01-15Listing removed$279,500
2014-07-17Price change$279,500
2014-01-18Listed for sale$298,500

For Sale by Agent

AgentAmanda K England
BrokerageColdwell Banker VIP Realty, Inc.

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