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3028 Elmwood Dr, Henderson, KY, 42420

1beds
1baths
884sqft
$155,000
$175price/sqft
$1,215/moest. monthly cost
$48,600/yrincome needed

About This Home

This home has a new roof 2024 and a fenced in backyard. The living room is nice and big, sized 12x20!1 BDR, 1 bath, 1 car garage. Home needs new flooring and there are 2 additional rooms besides the 1 BDR that offer flexibility for the new occupant. Put your touch on this north side location- with quick access to the bridge! Home is being sold in the "AS IS" condition.

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

7/10
9/10

Construction

Condition

  • Year built: 1957

Materials

  • Foundation: Concrete Block
  • Roof: Shingle
  • Construction materials: Dry Wall,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Range/Oven,Electric Water Heater

Basement

  • Basement: None

Bedroom1

  • Level: M
  • Area: 130.65

Bedrooms & Bathrooms

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

Features

  • Window features: No Window Treatments
  • Flooring: Carpet,Vinyl
  • Fireplace features: None
  • Finished area above ground: 884

Heating & Cooling

  • Heating features: Gas Forced Air
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 884 sqft

Kitchen

  • Level: Main
  • Area: 143

Property

Details

  • Parcel number: 64A35
  • Zoning description: City

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch,Front Porch
  • Fencing: Chain Link,Rear

Parking

  • Total spaces: 1
  • Parking features: Garage Attached,Off Street,Rock
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Strong Wind
Winter Weather
Earthquake
Hail
Heat Wave
Inland Flooding
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 $783$9,396
Home Insurance *$130$1,560
Property Taxes $148$1,776
Electricity $154$1,850
Total$1,215$14,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,657/yr
40% on housing$36,450/yr
45% on housing$32,400/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

$175This listing

vs Other Active Listings

Avg $/sqft

ZIP 42420$114
Henderson County$116

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)

No zestimate history available

Price History

DateEventPrice
2026-04-28Price change$85,000
2026-04-15Listed for sale$89,000
2014-06-10Sold$57,900
2014-03-13Listed for sale$59,900

For Sale by Agent

AgentJamie Young
BrokerageERA FIRST ADVANTAGE

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