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354 S Magnolia St, Harrodsburg, KY, 40330

2beds
1baths
1,000sqft
$114,900
$115price/sqft
$988/moest. monthly cost
$39,520/yrincome needed

About This Home

This asset is being marketed online now at www.auction.com. All offers from interested buyers must be entered online at www.auction.com for the duration of the time that this property is in auction. Registration to bid is now available on the property's listing page on www.auction.com. Online bidding will begin on 2/22/2026. Property may be occupied and is sold as is with no access provided. Please enter list agent info on auction.com when you are submitting a bid

Getting Around

50
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

Construction

Materials

  • Foundation: Block
  • Roof: Composition
  • Construction materials: Vinyl Siding,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: None
  • Laundry features: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,000

Interior Area

  • Total structure area: 1,000
  • Total interior livable area: 1,000 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 100.2005002.00
  • Special condition: Auction

Features

  • Levels: One
  • Exterior features: Other
  • Fencing: Other

Lot

  • Lot size: 9,583 sqft
  • Features: Other

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
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High

How This Home’s Risks Compare

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

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 $580$6,960
Home Insurance *$61$732
Property Taxes $193$2,316
Electricity $154$1,850
Total$988$11,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$33,874/yr
40% on housing$29,640/yr
45% on housing$26,346/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: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 4.4%
4.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$115This listing

vs Other Active Listings

Avg $/sqft

ZIP 40330$156
Mercer County$170

vs Homes Sold Last Month

Median $/sqft

ZIP 40330
Mercer County$174

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
2022-07-05Sold$130,000
2022-05-25Pending sale$135,900
2022-05-17Price change$135,900
2022-05-11Listed for sale$142,000
2022-03-11Sold$55,000
2020-05-22Sold$27,000

Unknown Listed By

AgentRonald W Duke
BrokerageKentucky Real Estate Sales and Finance

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