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13003 Larkspur Ln, Prospect, KY, 40059

4beds
3baths
3,129sqft
$550,000
$176price/sqft
$3,825/moest. monthly cost
$153,000/yrincome needed

About This Home

Recently cleaned, refreshed and full of potential! Welcome to Prospect, where location, space, and opportunity come together. This home has already begun its transformation with recent cleanup and improvements, providing a fantastic head start for its next owner. Add your own finishing touches and bring your vision to life, creating a home that perfectly reflects your style and needs. Flooring material is left to complete as desired! This property offers incredible flexibility and value. With generous space, a sought-after location, and endless possibilities, this is your chance to make something truly special. Don't miss the opportunity to unlock this home's full potential and create lasting value in Prospect.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

9/10
10/10
North Oldham High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 1978

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Brick

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Family Room

  • Level: First

Family Room

  • Level: Basement

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 600
  • Finished area above ground: 2,529

Full Bathroom

  • Level: Second

Half Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Electric,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,529
  • Total interior livable area: 3,129 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Other

  • Level: Second

Primary Bathroom

  • Level: Second

Primary Bedroom

  • Level: Second

Property

Details

  • Parcel number: 06160057

Features

  • Stories: 2
  • Private pool: Yes
  • Pool features: Above Ground
  • Patio & porch: Porch
  • Fencing: Full

Lot

  • Lot size: 0.50 Acres
  • Features: Cul-De-Sac

Parking

  • Total spaces: 2
  • Parking features: Attached,Entry Rear,Driveway
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
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 $2,781$33,372
Home Insurance *$216$2,592
Property Taxes $581$6,972
Electricity $247$2,965
Total$3,825$45,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$131,142/yr
40% on housing$114,750/yr
45% on housing$102,000/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: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 40059$277
Oldham County$226

vs Homes Sold Last Month

Median $/sqft

ZIP 40059$213
Oldham County$185

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
2026-08-14Contingent$550,000
2026-06-11Price change$550,000
2026-05-15Listed for sale$575,000
2022-05-31Sold$515,000
2022-04-25Pending sale$514,900
2022-04-18Price change$514,900
2022-04-13Listed for sale$534,900
2018-06-29Sold$295,000
2018-06-11Pending sale$309,900
2018-05-14Price change$309,900
2018-05-10Price change$320,000
2018-05-04Listed for sale$309,900

For Sale by Agent

AgentRachel Guenot
BrokerageKeller Williams Collective

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