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107 Covington St, Springfield, KY, 40069

3beds
2baths
2,475sqft
$289,900
$117price/sqft
$2,188/moest. monthly cost
$87,520/yrincome needed

About This Home

Experience refined living in Springfield, KY. This exceptional 2,470 sq ft residence combines timeless charm with modern luxury. Masterfully rebuilt from the studs in 2018, it features a newer roof, HVAC, windows, plumbing, and electrical for ultimate peace of mind. Inside, a light-filled open layout connects the living areas to a chef's kitchen appointed with granite countertops and premium finishes. The primary suite serves as a private sanctuary with a spa-like bath and an impressive walk-in closet. Outside, a detached two-car garage built in 2023 adds great storage and curb appeal. Impeccable craftsmanship and completely turnkey—this is more than a home, it's a lifestyle.

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

Construction

Materials

  • Roof: Shingle
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Finished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 550
  • Finished area above ground: 1,925

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Other

Interior Area

  • Total structure area: 1,925
  • Total interior livable area: 2,475 sqft

Kitchen

  • Level: First

Laundry

  • Level: Basement

Living Room

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 18I090

Features

  • Stories: 2
  • Patio & porch: Patio,Porch

Lot

  • Lot size: 9,583 sqft
  • Lot size dimensions: 60 x 160

Parking

  • Total spaces: 2
  • Parking features: Detached,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

  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Kentucky Counties

Flood
Hurricane
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
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 $1,465$17,580
Home Insurance *$298$3,576
Property Taxes $230$2,760
Electricity $195$2,345
Total$2,188$26,256
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,017/yr
40% on housing$65,640/yr
45% on housing$58,346/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -5.5%
-5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$117This listing

vs Other Active Listings

Avg $/sqft

ZIP 40069$171
Washington County$181

vs Homes Sold Last Month

Median $/sqft

ZIP 40069
Washington County$105

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)

No zestimate history available

Price History

DateEventPrice
2026-07-21Price change$289,900
2026-06-30Listed for sale$299,900
2016-10-19Sold$33,000
2016-09-07Price change$39,900
2016-08-12Listed for sale$44,900
2015-11-21Sold$23,334

For Sale by Agent

AgentWilliam T Culver
BrokerageKeller Williams Commonwealth

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