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272 Upper Railroad St, Hustonville, KY, 40437

2beds
2baths
1,120sqft
$174,500
$156price/sqft
$1,241/moest. monthly cost
$49,640/yrincome needed

About This Home

Very Nice Ranch-Style Home in a Scenic Country Setting! Enjoy the perfect balance of privacy and convenience with this charming ranch-style home located in the desirable Moreland area of Lincoln County-just about 8 miles from Danville. This inviting home features 2 large bedrooms and 2 spacious bathrooms, including a primary suite with a generous bathroom and double sinks. The second bathroom conveniently includes a laundry closet, and the washer and dryer are included with the home. The oversized kitchen is very efficient, complete with a large island that's perfect for cooking, gathering, and entertaining. The home also offers a comfortable living room and a bright sunroom just off the kitchen, ideal for relaxing and enjoying backyard views year-round. Additional features include: Attached two-car garage Welcoming front porch-perfect for quiet mornings or evening relaxation Good-sized backyard Beautiful azalea bushes adding curb appeal Two large front-yard trees providing shade and a sense of seclusion Nestled in a scenic country setting with nearby neighbors, this property offers the feeling of rural living while still being conveniently located. Imagine sitting on your front porch, shaded by mature trees, and enjoying the charm of the surroundings. Great location, comfortable living, and timeless charm-this home has it all! Contact today to schedule your private showing and make this lovely property yours.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

5/10
3/10
4/10

Construction

Condition

  • Year built: 2000

Type & Style

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

Interior

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area above ground: 1,120

Heating

  • Heating features: Has Heating (Unspecified Type)

Interior Area

  • Total structure area: 1,120
  • Total interior livable area: 1,120 sqft

Property

Details

  • Parcel number: 009010900300
  • Lease amount: 0

Features

  • Stories: 1

Lot

  • Lot size: 0.26 Acres

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
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

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 $882$10,584
Home Insurance *$101$1,212
Property Taxes $104$1,248
Electricity $154$1,850
Total$1,241$14,892
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$42,548/yr
40% on housing$37,230/yr
45% on housing$33,093/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: 5.7%
5.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$156This listing

vs Other Active Listings

Avg $/sqft

ZIP 40437$174
Lincoln County$118

vs Homes Sold Last Month

Median $/sqft

ZIP 40437
Lincoln County$166

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
2026-04-19Listed for sale$187,000
2006-11-17Sold$85,000

For Sale by Agent

AgentAudrey Rousey
BrokerageCochran-Rousey Realty & Auction

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