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117 Oak St, Cloverport, KY, 40111

4beds
2baths
2,768sqft
$90,000
$33price/sqft
$771/moest. monthly cost
$30,840/yrincome needed

About This Home

Selling will be a 4 Bedroom, 2 bath 2 story home with living room, dining room, kitchen, utility room and a detached 1 car garage. The home and improvements are situated on a .60 ac. corner lot.

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

6/10

Construction

Condition

  • Property condition: New Construction
  • Year built: 1920

Materials

  • Foundation: Pillar/Post/Pier,Stone
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential Farm

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Area: 0

Basement

  • Basement: Cellar

Bathroom

  • Features: Tub/Shower Combo

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedrooms & Bathrooms

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

Features

  • None,Walls (Plaster),Formal Dining Room
  • Window features: Wood Frames
  • Flooring: Hardwood
  • Number of fireplaces: 3
  • Fireplace features: 3,No Working
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat Stove,Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,768
  • Total interior livable area: 2,768 sqft

Kitchen

  • Features: None

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: CP1107

Features

  • Levels: Two
  • Patio & porch: Covered Front Porch,Covered Patio
  • Fencing: None
  • Waterbody name: None

Lot

  • Lot size: 0.60 Acres
  • Features: Corner Lot,City Lot

Parking

  • Total spaces: 1
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $455$5,460
Home Insurance *$58$696
Property Taxes $40$480
Electricity $218$2,623
Total$771$9,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$26,434/yr
40% on housing$23,130/yr
45% on housing$20,560/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: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.9%
3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$33This listing

vs Other Active Listings

Avg $/sqft

ZIP 40111$82
Breckinridge County$143

vs Homes Sold Last Month

Median $/sqft

ZIP 40111
Breckinridge County$150

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
2025-11-05Listed for sale$95,000
2025-07-01Listing removed$105,000
2024-12-06Listed for sale$105,000
2024-03-25Sold$52,500
2024-01-12Listed for sale$80,000
2024-01-01Listing removed--
2023-09-11Price change$80,000
2023-06-27Price change$85,000
2023-06-02Listed for sale$89,000
2023-05-19Listing removed--
2023-05-04Listed for sale$89,000
2017-06-15Sold$45,000
2017-05-09Listed for sale$45,000

For Sale by Agent

AgentDennie Armes
BrokerageBARR REALTY & AUCTION COMPANY INC- HARDINSBURG

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