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811 Olive St, Murray, KY, 42071

3beds
3baths
1,595sqft
$379,000
$238price/sqft
$2,526/moest. monthly cost
$101,040/yrincome needed

About This Home

On a desirable street in Murray, welcome to this 3 bedroom/2.5 bathroom home elegantly renovated inside and out just under two years ago. Past the brick-floored front porch and through the front door, you are met with modern and inviting craftsmanship through the wooden beams, gas fireplace and hardwood floors. The main floor includes the living room, dining room and kitchen on one side with the primary suite's bedroom, bathroom and closet on the other. The laundry room and stairs to the basement provide access from any part of the main floor. The stairway to the second floor starts by the front door, and the unique space upstairs includes two bedrooms with closets and a bathroom. The full basement offers space for entertainment, storage and access to the side driveway through the exterior door. With a screened-in porch, close to Murray amenities and beautifully renovated, this home captivates those driving by or being welcomed inside.

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

9/10
Murray Middle SchoolGrades 4-80.2 mi
10/10
Murray High SchoolGrades 9-121.4 mi
10/10
Murray Elementary SchoolGrades PK-31.0 mi

Construction

Materials

  • Foundation: Concrete Perimeter
  • Roof: Dimensional Style,Shingle
  • Construction materials: Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Microwave,Refrigerator,Cooktop
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Full,Interior Entry,Sump Pump,Unfinished

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Walk-In Closet(s),Ceiling Fan(s)
  • Flooring: Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,595

Heating & Cooling

  • Heating features: Other
  • Cooling features: Central Air,Other

Interior Area

  • Total structure area: 1,595
  • Total interior livable area: 1,595 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 0060001000002

Features

  • Levels: One and One Half

Lot

  • Lot size: 0.37 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

  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Ice Storm
Lightning
Tornado
Winter Weather
Hail
Heat Wave
Strong Wind

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 $1,916$22,992
Home Insurance *$322$3,864
Property Taxes $134$1,608
Electricity $154$1,850
Total$2,526$30,312
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,605/yr
40% on housing$75,780/yr
45% on housing$67,360/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -4.6%
-4.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$238This listing

vs Other Active Listings

Avg $/sqft

ZIP 42071$142
Calloway County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 42071$141
Calloway County$138

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
2026-06-11Listed for sale$379,000
2025-03-25Sold$350,000
2024-11-01Listed for sale$362,500
2023-09-22Sold$100,000
2023-09-14Pending sale$149,000
2023-08-24Listed for sale$149,000
2023-08-21Sold$48,000

For Sale by Agent

AgentLily Miller
BrokerageHRE Advisors

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