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416 Angel Rd, Berea, KY, 40403

3beds
2baths
1,451.6sqft
$350,000
$241price/sqft
$2,294/moest. monthly cost
$91,760/yrincome needed

About This Home

Motivated military family-selling due to reassignment. Move in ready ranch in Berea, KY-showcasing 1.25 beautiful acres, a corner lot for privacy, convenience, and modern bathroom updates! Located just minutes from I-75, this property features a fenced backyard, a 20x30 detached garage ideal for hobbies, storage, or a workshop, and timeless hardwood floors. Whether you're looking for room for pets, outdoor entertaining, or extra space for your toys, this property has it all. Enjoy peaceful country living without sacrificing easy access to shopping, dining, and commuting. As an added bonus, qualified buyers may have the opportunity to assume the seller's incredibly low 2.5% interest rate on approximately $161,000, creating significant monthly savings compared to current market rates. Don't miss this rare opportunity to own a home with acreage, rural living and an exceptional financing option in one package!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

7/10
Foley Middle SchoolGrades 6-82.4 mi
8/10

Construction

Condition

  • Year built: 1993

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bathroom2

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First

Features

  • Breakfast Bar,Other,Walk-In Closet(s),Ceiling Fan(s)
  • Window features: Screens
  • Flooring: Carpet,Hardwood,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 1,451

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Electric,Heat Pump

Interior Area

  • Total structure area: 1,451
  • Total interior livable area: 1,451 sqft

Kitchen

  • Level: First

Master Bathroom

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 004700420007

Features

  • Levels: One
  • Fencing: Chain Link

Lot

  • Lot size: 1.25 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Detached Garage,Driveway,Garage Door Opener,Garage Faces Side
  • 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

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Strong Wind
Tornado
Winter Weather
Hail

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 *$171$2,052
Property Taxes $200$2,400
Electricity $154$1,850
Total$2,294$27,528
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,651/yr
40% on housing$68,820/yr
45% on housing$61,173/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

$241This listing

vs Other Active Listings

Avg $/sqft

ZIP 40403$166
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
2026-08-12Price change$330,000
2026-07-24Price change$350,000
2026-06-26Price change$360,000
2026-05-22Price change$365,000
2026-05-15Listed for sale$375,000
2021-02-01Sold$189,500
2020-12-21Pending sale$189,500
2020-12-15Price change$189,500
2020-12-07Listed for sale$194,900
2003-05-30Sold$115,500

For Sale by Agent

AgentKierstin Shaffer
BrokerageBerkshire Hathaway HomeServices Foster Realtors

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