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314 E 16th St, Hopkinsville, KY, 42240

6beds
4baths
3,211sqft
$240,000
$75price/sqft
$1,830/moest. monthly cost
$73,200/yrincome needed

About This Home

Step into timeless charm with this stunning historic home at 314 E 16th St! Boasting over 3,200 square feet, this spacious 6-bedroom, 2.5-bath residence offers the perfect blend of classic character and modern updates. From the moment you enter, you’ll be captivated by the nine fireplaces that add warmth and elegance throughout the home. Enjoy peace of mind with replacement windows, while the updated kitchen and bathrooms provide today’s comforts without sacrificing the home’s original appeal. With generously sized rooms, high ceilings, and endless possibilities for entertaining or multi-generational living, this home truly stands out. Whether you're looking to own a piece of history or need room to grow, this one-of-a-kind property delivers space, charm, and character you simply won’t find anywhere else. 24 minutes to Gate 4, TC Freeman Ft Campbell entrance

Getting Around

69
WalkingSomewhat Walkable
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

6/10
5/10
3/10

Construction

Condition

  • Year built: 1860

Materials

  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Electric Range,Dishwasher,Refrigerator
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Ceiling Fan(s),Entrance Foyer,High Ceilings,In-Law Floorplan,Pantry
  • Flooring: Wood,Tile
  • Number of fireplaces: 9
  • Fireplace: Yes
  • Finished area above ground: 3,211

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,211
  • Total interior livable area: 3,211 sqft

Property

Details

  • Parcel number: 21800 04 025.00
  • Special condition: Standard

Features

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

Lot

  • Lot size: 0.25 Acres
  • Features: Level
  • Lot size dimensions: 92 x 120

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

  • Tornado
    TornadoVery High
  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Earthquake
Inland Flooding
Ice Storm
Lightning
Winter Weather
Cold Wave
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 $1,213$14,556
Home Insurance *$182$2,184
Property Taxes $182$2,184
Electricity $253$3,042
Total$1,830$21,960
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,742/yr
40% on housing$54,900/yr
45% on housing$48,800/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: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.6%
2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$75This listing

vs Other Active Listings

Avg $/sqft

ZIP 42240$106
Christian County$116

vs Homes Sold Last Month

Median $/sqft

ZIP 42240$139
Christian County$152

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
2026-04-06Listed for sale$250,000
1995-08-01Sold$47,500

For Sale by Agent

AgentKaren Chiles
BrokerageAdvantage REALTORS

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