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19 S Lucas St, Junction City, KY, 40440

3beds
1baths
1,509sqft
$239,000
$158price/sqft
$1,612/moest. monthly cost
$64,480/yrincome needed

About This Home

Welcome to 19 S Lucas St, a solid and well-maintained brick home offering comfort, space, and an excellent location. This 3-bedroom, 1-bath home features over 1,500 sq ft of living space, all on one level, providing a functional and easy-to-live-in layout. The home has been exceptionally cared for and includes several major improvements that add peace of mind for the next owner. Updates include a new roof installed in 2023, a new HVAC system in 2025, and most windows have been replaced, helping improve efficiency and long-term durability. Inside, you'll find generous room sizes, ample natural light, and a layout that offers great potential for personalization at your own pace. Outside, the property sits on a beautiful .33 acre lot in a great location and offers excellent additional space with an attached 1-car oversized garage, a 12x30 workshop perfect for hobbies or projects, and a 12x12 storage shed for extra storage. A fantastic opportunity for buyers looking for a solid, move-in ready home with major systems already updated, all in a desirable location.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

8/10
7/10
10/10
Boyle County High SchoolGrades 9-124.5 mi

Construction

Condition

  • Year built: 1978

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Brick Veneer

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Refrigerator,Washer,Range
  • Laundry features: Main Level

Bathroom1

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Entrance Foyer,Eat-in Kitchen,Ceiling Fan(s)
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,509

Foyer

  • Level: First

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,509
  • Total interior livable area: 1,509 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: J05003010

Features

  • Levels: One
  • Fencing: Chain Link

Lot

  • Lot size: 0.33 Acres
  • Features: Few Trees

Parking

  • Total spaces: 1
  • Parking features: Attached Garage,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Lightning
Winter Weather
Hail
Inland Flooding
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 $1,208$14,496
Home Insurance *$181$2,172
Property Taxes $69$828
Electricity $154$1,850
Total$1,612$19,344
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,268/yr
40% on housing$48,360/yr
45% on housing$42,986/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

$158This listing

vs Other Active Listings

Avg $/sqft

ZIP 40440$319
Boyle County$170

vs Homes Sold Last Month

Median $/sqft

ZIP 40440$149
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
2026-02-15Listed for sale$239,000
2010-04-30Sold$72,000

For Sale by Agent

AgentCurtis Brown
BrokerageKeller Williams Commonwealth - Stanford

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