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622 Echo Ln, Madisonville, KY, 42431

5beds
4baths
3,810sqft
$395,000
$104price/sqft
$3,075/moest. monthly cost
$123,000/yrincome needed

About This Home

Spacious 5-Bedroom Home with Exceptional Outdoor Living! Welcome to this beautiful and spacious 3,800 sq. ft. home offering 5 bedrooms and 3.5 bathrooms. You'll love the bright, open kitchen featuring solid surface countertops, a large island, and an abundance of cabinetry—perfect for cooking and entertaining. The home has ample living space, both inside and out, with a large outdoor living area ideal for relaxing or hosting gatherings. Enjoy great curb appeal, a detached carport, and a garage for plenty of parking and storage. Don't miss your chance to make this property your next home! Listed with Maggie Sheets 270-836-5086

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1951

Materials

  • Roof: Composition
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Built-In Range,Dishwasher,Gas Range,Refrigerator
  • Laundry features: Main Level

Basement

  • Basement: None,Crawl Space

Bathroom

  • Level: Main,Upper

Bedroom

  • Level: Main,Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Ceiling Fan(s),Pantry
  • Window features: Double Pane Windows
  • Flooring: Hardwood
  • Number of fireplaces: 2
  • Fireplace features: 2,Gas Log,Family Room,Other-See Remarks
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

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

Interior Area

  • Total structure area: 3,810
  • Total interior livable area: 3,810 sqft

Kitchen

  • Level: Main

Property

Details

  • Parcel number: M22527

Features

  • Levels: Two
  • Patio & porch: Patio,Porch-Covered
  • Has spa: Yes
  • Spa features: Bath

Lot

  • Lot size: 0.78 Acres
  • Features: Landscaped,Wooded
  • Lot size dimensions: Tract 1 & Tract 2

Parking

  • Parking features: Detached,Blacktop
  • Has garage: Yes
  • 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
  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

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 $1,997$23,964
Home Insurance *$438$5,256
Property Taxes $340$4,080
Electricity $300$3,610
Total$3,075$36,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,428/yr
40% on housing$92,250/yr
45% on housing$82,000/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: 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

$104This listing

vs Other Active Listings

Avg $/sqft

ZIP 42431$109
Hopkins County$112

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
2025-10-28Listed for sale$395,000
2023-10-30Sold$335,000
2023-09-07Pending sale$354,900
2023-08-23Price change$354,900
2023-08-08Listed for sale$362,500
2023-07-25Pending sale$362,500
2023-07-17Price change$362,500
2023-06-12Listed for sale$375,000
2007-03-22Sold$230,000

For Sale by Agent

AgentMaggie Sheets
BrokerageHeritage Homes Real Estate

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