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220 S Main St, Henderson, KY, 42420

5beds
3baths
5,206sqft
$649,900
$125price/sqft
$4,767/moest. monthly cost
$190,680/yrincome needed

About This Home

The phrase "house with a white picket fence" often symbolizes the American Dream or a vision of an idyllic, suburban life. It represents a longing for a stable and prosperous life, often associated with homeownership and a peaceful, safe environment. 220 South Main Street offers the opportunity to live on Main Street, one of the most desired streets in downtown Henderson, with proximity to shops, restaurants, the library, and our Riverfront. It also offers the opportunity to live in your very own “Southern Living” home, with its white picket fence and one-of-a-kind double decker front porch, where you can pick a level and relax on the porch swing or a rocking chair. This porch recently received a facelift within the last few years so it is in tip top shape for the new owners, and the entire house was just power washed and all windows cleaned. The remarkable feature about this home is the impeccable shape the house is in for originally being built in 1900. With this home, you get the best of both worlds: you get to enjoy a home rich in history with traditional features such as extra wide woodwork, original hardwood flooring (recently beautifully refinished), tall ceilings, and transom windows. But, you get to live with the peace of mind knowing the bones and overall condition of the home are far from original and have been updated and meticulously maintained over the years to include the plumbing, electrical, interior insulation, exterior insulation, custom-made storm windows that preserved the antique glass, custom-covered curved windows on the porch, and custom lighting throughout. All of the exterior wood has been maintained and all of the vinyl has been replaced on the house and garage with extremely durable vinyl. The roof is a Pride Industries 50 year metal roof. Upon entering the 5006 sqft home, you are greeted with a grand foyer and a formal dining room. The main level has seen many different room configurations over the years, which leaves multiple options for use for the new owners. The heart of the home- the kitchen has seen many remodels over time, with the most recent one being around 5 years ago. The back kitchen is newer construction with the addition now offering open concept living. Currently, the back room is staged as a dining area, which is great if you enjoy hosting large dinner parties, or that space would make a cozy second family room as it features an updated gas fireplace. Previously, the kitchen was small and boxed in. The stunning newer kitchen boasts Fehrenbacher cabinets of all styles and size, a spacious island with barstools, gas cooktop, seamless refrigerator with the kitchen cabinets, a hidden microwave, granite countertops, stainless steel appliances, and plenty of cabinet space with roll-out drawers. The main floor primary bedroom features 4 closets total whenever you include the two closets inside the primary bathroom as well. The primary bathroom was extended so the new owner can enjoy a large primary suite and extra closet space. All of the ceilings were professionally refinished, and all of the blinds were custom-fitted. Upstairs features the additional 4 bedrooms, with two having walk-in closets. The library was also added with floor-to-ceiling built-ins, an adjoining home office, and access to the upstairs balcony. There’s a second home office upstairs and a second full bathroom. There is a large area of attic storage. The laundry room is on the main floor for the ultimate convenience. There is a basement cellar for storage and a storm shelter. The exterior is truly one of the more showstopper features, as it is one of the more spacious backyards with blooming landscaping and a large, private back patio. The 2-car detached garage was added, plus the irrigation system and dusk-to-dawn exterior lighting. The front white picket fence is made of catalpa wood, which is durable and rot-resistant. The list goes on and on at 220 South Main, so check it out!

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
51
BikeBikeable

Schools

5/10
9/10

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Brick/Mortar
  • Roof: Metal
  • Construction materials: Combination,Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Refrigerator,Range/Oven,Microwave,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Cellar

Bedroom1

  • Level: M
  • Area: 349.5

Bedroom2

  • Level: Upper
  • Area: 297.92

Bedroom3

  • Level: Upper
  • Area: 267

Bedroom4

  • Level: Upper
  • Area: 217.54

Bedroom5

  • Level: Upper
  • Area: 125.44

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 205.92

Features

  • Window features: Window Treatments
  • Flooring: Carpet,Wood,Vinyl,Tile
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area above ground: 5,006

Heating & Cooling

  • Heating features: Gas Forced Air,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 200
  • Total interior livable area: 5,206 sqft

Kitchen

  • Level: Main
  • Area: 156.6

Living Room

  • Level: Main
  • Area: 265.5

Property

Details

  • Parcel number: 121410

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Porch,Front Porch,Back,Patio
  • Fencing: Front,Privacy,Rear,Wood

Lot

  • Lot size: 0.37 Acres
  • Lot size dimensions: 79 x 202

Parking

  • Total spaces: 2
  • Parking features: Garage Detached,Yes,Concrete
  • 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

  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

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 $3,286$39,432
Home Insurance *$545$6,540
Property Taxes $525$6,300
Electricity $411$4,933
Total$4,767$57,204
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,440/yr
40% on housing$143,010/yr
45% on housing$127,120/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$125This listing

vs Other Active Listings

Avg $/sqft

ZIP 42420$113
Henderson County$115

vs Homes Sold Last Month

Median $/sqft

ZIP 42420$129
Henderson County$131

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
2026-08-14Price change$624,900
2026-07-28Price change$649,900
2026-07-03Listed for sale$664,900
2026-06-15Pending sale$664,900
2026-06-06Listed for sale$664,900
2025-08-22Listing removed$699,900
2025-06-25Listed for sale$699,900

For Sale by Agent

AgentShelbi Carroll
BrokerageF.C. TUCKER/COLLIER

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