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3515 Central Ave, Paducah, KY, 42001

4beds
2baths
2,600sqft
$350,000
$135price/sqft
$2,451/moest. monthly cost
$98,040/yrincome needed

About This Home

If You've Been Looking For A West End Home That Blends Historic Character With Modern Updates And A True Backyard Oasis, You've Just Found It! From The Moment You Step Inside, You’ll Notice The Original Hardwood Floors, High Ceilings, Classic Built-ins & Mill Work And A Stunning Marble Fireplace Mantle That Highlights The Home's Timeless Appeal. The Updated Kitchen Features Granite Countertops, New Cabinetry, And Stainless Steel Appliances. The Main-level Primary Suite Addition Offers A Spacious Bedroom, Walk-in Closet, And Custom Tile Shower. Upstairs You'll Find 3 Sizable Bedrooms, A Full Bathroom And A Bonus Room With Convenient Washer/dryer Closet. Outside You'll Enjoy Summer Days Around The Gorgeous In-ground Pool And Expansive Deck, Perfect For Relaxing, Entertaining And Soaking Up The Sun. The Large Detached Garage With Loft Offers Plenty Of Room For Parking, Hobbies And Storage. All Of This, Plus The Peace Of Mind Provided By A Brand New Roof, Make This Paducah Home A Must See!

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

8/10
Clark Elementary SchoolGrades K-50.4 mi
6/10
Paducah Middle SchoolGrades 6-80.7 mi
4/10

Construction

Condition

  • Year built: 1917

Materials

  • Foundation: Brick/Mortar
  • Roof: Dimensional Shingle
  • Construction materials: Frame,Vinyl Siding,Dry Wall,Plaster

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Stove,Washer,Gas Water Heater
  • Laundry features: Laundry Closet,Utility Room,Washer/Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Partial

Bathroom

  • Features: Tub Shower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Formal Dining

Features

  • Bookcases,Ceiling Fan(s),High Ceilings
  • Door features: Storm Door(s)
  • Window features: Screens,Vinyl Frame
  • Flooring: Carpet,Ceramic Tile,Wood
  • Fireplace features: Gas Log,Living Room,Ventless
  • Fireplace: Yes
  • Attic: Partially Floored,Pull Down Stairs
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Electric,Natural Gas,Dual Fuel System
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,600
  • Total interior livable area: 2,600 sqft

Kitchen

  • Features: Eat-in Kitchen

Property

Details

  • Parcel number: 0954106002

Features

  • Levels: Two
  • Stories: 2
  • Pool features: In Ground
  • Patio & porch: Covered Porch,Deck
  • Fencing: Fenced,Privacy

Lot

  • Lot size: 0.44 Acres
  • Features: Trees,In City Limits,Level

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage Door Opener,Paved
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

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 $1,769$21,228
Home Insurance *$370$4,440
Property Taxes $107$1,284
Electricity $205$2,463
Total$2,451$29,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,034/yr
40% on housing$73,530/yr
45% on housing$65,360/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: 11.4%
11.4%
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

$135This listing

vs Other Active Listings

Avg $/sqft

ZIP 42001$124
McCracken County$117

vs Homes Sold Last Month

Median $/sqft

ZIP 42001$133
McCracken County$127

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
2026-04-27Price change$375,000
2026-04-16Listed for sale$389,000
2005-02-04Sold$94,000

For Sale by Agent

AgentNikki Smith
BrokerageeXp Realty, LLC

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