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414 Center St, Berea, KY, 40403

5beds
2baths
1,680sqft
$219,000
$130price/sqft
$1,603/moest. monthly cost
$64,120/yrincome needed

About This Home

Located 0.4 mi from Berea College & 0.6 mi to Boone Tavern Hotel & Restaurant, this property places you near local dining, shops, & everyday conveniences, with CHI Saint Joseph Berea just 0.5 mi away. The covered front porch with swing offers a place to sit & unwind, while front-facing windows bring natural light into the living room throughout the day. Inside, the home features a traditional layout with defined living spaces, offering separation between the living room, kitchen, & bedrooms. The living room provides ample space for seating & gathering, with direct access to the front porch. The kitchen includes extended cabinet storage, generous workspace, & room for dining, with an adjacent laundry area for convenience. The main level includes three bedrooms & a full bath, providing single-level living functionality. Upstairs, an additional bedroom is complemented by a separate finished room that can function as a fifth bedroom, office, or flex space depending on needs. This layout supports a variety of uses including workspace, hobby room, or additional sleeping area. Interior features include a mix of hardwood, carpet, & vinyl flooring, updated bathroom fixtures & multiple ceiling fans throughout. The home's layout & room separation provide flexibility for different living arrangements while maintaining defined spaces. A driveway runs along the side of the home & leads to a garage with ample storage capacity, with access that connects into the home for added convenience. The basement provides additional storage space. Positioned 0.25 mi from Tillie Memorial Dog Park & within driving distance to Pinnacle Hiking Trails (3 mi) & the Kentucky Artisan Center (3 mi), this location offers access to outdoor recreation & regional attractions. Old Town Artisan Village is located approximately 1.1 mi away, with Berea City Park & pool at 1.3 mi. Nearby Amenities Berea College (0.4 mi) Boone Tavern Hotel & Restaurant (0.6 mi) CHI Saint Joseph Berea (0.5 mi) Tillie Memorial Dog Park (0.25 mi) Old Town Artisan Village (1.1 mi) Berea City Park/Pool (1.3 mi) Pinnacle Hiking Trails (3 mi) Kentucky Artisan Center (3 mi)

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

5/10
7/10

Construction

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick Veneer,Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Unfinished,Walk-Out Access,Walk-Up Access

Bathroom1

  • Level: First

Bathroom2

  • Level: Second

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedroom4

  • Level: Second

Bedroom5

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s)
  • Flooring: Carpet,Laminate,Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,680

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,680
  • Total interior livable area: 1,680 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: B01000070056

Features

  • Has view: Yes
  • View description: Rural

Lot

  • Lot size: 0.26 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Driveway,Off Street,Garage Faces Rear
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather
Hail
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 $1,107$13,284
Home Insurance *$107$1,284
Property Taxes $235$2,820
Electricity $154$1,850
Total$1,603$19,236
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,960/yr
40% on housing$48,090/yr
45% on housing$42,746/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$130This listing

vs Other Active Listings

Avg $/sqft

ZIP 40403$167
Madison County$165

vs Homes Sold Last Month

Median $/sqft

ZIP 40403$171
Madison County$177

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
2026-05-01Price change$240,000
2026-04-19Price change$254,900
2026-03-30Listed for sale$264,900
2012-12-28Sold$47,500

For Sale by Agent

AgentDevin Azbill
BrokerageBerkshire Hathaway HomeServices Foster Realtors

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