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515 Hillcrest Cir, Hawesville, KY, 42348

4beds
3baths
2,700sqft
$334,000
$124price/sqft
$2,429/moest. monthly cost
$97,160/yrincome needed

About This Home

If you’ve been looking for a home with space to actually live in, this one checks all the boxes. Located in Windward Heights, close to industry, schools and not too far from Owensboro or Tell City, this 4-bedroom, 2.5-bath home offers over 2,700 sq ft with a layout that just makes sense. The split-bedroom design gives the primary suite a little extra privacy, while the rest of the home still feels open, connected, and welcoming. (The primary suite is a dream all on it's own!) The room sizes are generous, there’s storage everywhere you turn, and you’ll love having the flexibility of multiple living spaces. Whether you’re hosting friends, working from home, or just tired of feeling cramped, this home gives everyone room to spread out without losing that cozy, lived-in feel.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

8/10
4/10
5/10

Construction

Condition

  • Year built: 1976

Materials

  • Foundation: Slab
  • Roof: Dimensional
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer,Electric Water Heater
  • Laundry features: W/D Hookup

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Dining Area

Features

  • Master Downstairs,Walk-In Closet(s)
  • Flooring: Hardwood,Tile,Laminate
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Attic: Access Only
  • Finished area below ground: 0
  • Finished area above ground: 2,700

Heating & Cooling

  • Heating features: Forced Air,Electric
  • Cooling features: Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 2,700
  • Total interior livable area: 2,700 sqft

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: W103138

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio
  • Fencing: Fenced,Privacy

Lot

  • Features: 150+ Front,Cleared,Rolling Slope,Sloped/Steep,Landscaped
  • Lot size dimensions: 100 x 278 x 132 x 246

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Hail
    HailRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $1,688$20,256
Home Insurance *$221$2,652
Property Taxes $307$3,684
Electricity $213$2,558
Total$2,429$29,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,280/yr
40% on housing$72,870/yr
45% on housing$64,773/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -3.5%
-3.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$124This listing

vs Other Active Listings

Avg $/sqft

ZIP 42348$85
Hancock County$108

vs Homes Sold Last Month

Median $/sqft

ZIP 42348$149
Hancock County$108

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
2026-07-02Price change$334,000
2026-06-10Listed for sale$344,000
2026-04-16Sold$324,900
2026-01-30Pending sale$324,900
2026-01-23Listed for sale$324,900
2016-11-21Sold$188,500
2016-09-09Listed for sale$194,500
2016-07-20Sold$180,000
2016-04-20Listed for sale$189,500
2005-11-02Sold$155,000

For Sale by Agent

AgentNatalie McCaslin
BrokerageReal Broker, LLC

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