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243 W Noel Ave, Madisonville, KY, 42431

2beds
1baths
1,214sqft
$124,800
$103price/sqft
$1,048/moest. monthly cost
$41,920/yrincome needed

About This Home

Cute, cozy, and full of charm! This 2-bedroom, 1-bath cottage in Madisonville offers 1,214 sq ft of comfortable living space on a low-maintenance .20-acre lot. Step inside to a bright, inviting sunroom?perfect for morning coffee, relaxing evenings, or entertaining year-round. With its warm cottage feel and functional layout, this home is ideal for first-time buyers, downsizers, or anyone looking for easy living in a convenient location LaVena Cavanaugh BhG Realty 270-339-2920

Getting Around

57
WalkingSomewhat Walkable
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

6/10
Pride Elementary SchoolGrades PK-50.6 mi
4/10

Construction

Materials

  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Gas Range,Refrigerator
  • Laundry features: Main Level

Basement

  • Basement: None,Crawl Space

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Level: Main

Features

  • Window features: Single Pane,Mini Blinds
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: 1
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

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

Interior Area

  • Total structure area: 1,214
  • Total interior livable area: 1,214 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Property

Details

  • Parcel number: M214514

Features

  • Patio & porch: Patio

Lot

  • Lot size: 8,712 sqft
  • Lot size dimensions: 0.20 acres

Parking

  • Parking features: No Garage,Gravel
  • 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

  • Ice Storm
    Ice StormVery High
  • Earthquake
    EarthquakeRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Ice Storm
Earthquake
Lightning
Strong Wind
Tornado
Winter Weather
Hail
Heat Wave

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 $631$7,572
Home Insurance *$138$1,656
Property Taxes $125$1,500
Electricity $154$1,850
Total$1,048$12,576
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,931/yr
40% on housing$31,440/yr
45% on housing$27,946/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: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 42431$110
Hopkins County$113

vs Homes Sold Last Month

Median $/sqft

ZIP 42431$114
Hopkins County$110

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
2026-05-11Listed for sale$124,800
2026-04-28Pending sale$124,800
2026-04-16Price change$124,800
2026-02-02Listed for sale$125,000
2024-02-19Sold$109,900
2023-04-19Sold$109,900
2023-03-20Pending sale$109,900
2023-03-17Listed for sale$109,900
2021-06-10Sold$38,500
2021-05-12Listed for sale$42,500
2015-07-14Sold$28,500
2015-06-17Pending sale$34,900
2015-06-15Listed for sale$34,900

For Sale by Agent

AgentLavena Cavanaugh
BrokerageBhg Realty

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