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213 Club Oak Ct, Louisville, KY, 40223

3beds
3baths
2,681sqft
$439,000
$164price/sqft
$3,056/moest. monthly cost
$122,240/yrincome needed

About This Home

Welcome to this beautifully updated 3-bedroom, 3-bath walkout ranch in the highly sought-after Willow Wood neighborhood, located in the heart of Middletown. Thoughtfully designed for both everyday living and entertaining, this move-in-ready home offers spacious living areas, abundant natural light, and picturesque views of the tree-lined backyard. Upon entering, you'll be greeted by a large living room and dining room, perfect for hosting gatherings or enjoying quiet mornings at home. The well-connected floor plan flows seamlessly into the inviting family room, featuring a stunning brick fireplace, skylights, built-in bookcases, and a wet bar—creating the perfect setting for entertaining family and friends. The eat-in kitchen offers an abundance of cabinetry and counter space and overlooks the expansive backyard through a charming bay window. Step directly from the kitchen onto the newly built deck, ideal for outdoor dining, relaxing, and enjoying the peaceful surroundings. The spacious primary suite provides beautiful backyard views along with generous closet and storage space. Two additional well-sized bedrooms and a full bath complete the main level. An open staircase leads to the finished walkout lower level, where you'll find a third living area with a second fireplace, creating a cozy retreat for movie nights, game days, or guests. Sliding glass doors open to a patio and an extended driveway offering additional parking and play space. A bonus room and third bath provide the perfect setup for a guest suite, home office, or flex space. Additional highlights include an attached 2-car garage, fresh paint, and new carpet installed in June 2026, making this home truly ready for its next owner. Nestled on a quiet cul-de-sac, this exceptional property offers easy access to top-rated schools, dining, shopping, parks, trails, and I-64, putting all of Louisville within easy reach. Combining comfort, space, updates, and an unbeatable location, this is a home you won't want to miss!

Getting Around

35
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

5/10
8/10
Crosby Middle SchoolGrades 6-80.6 mi
5/10
Eastern High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Walkout Part Fin

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Family Room

  • Level: First

Family Room

  • Level: Basement

Features

  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 848
  • Finished area above ground: 1,833

Full Bathroom

  • Level: First

Half Bathroom

  • Level: Basement

Heating & Cooling

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

Interior Area

  • Total structure area: 1,833
  • Total interior livable area: 2,681 sqft

Kitchen

  • Level: First

Laundry

  • Level: Basement

Living Room

  • Level: First

Primary Bathroom

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 171300490000

Features

  • Stories: 1
  • Patio & porch: Deck,Patio
  • Fencing: None

Lot

  • Lot size: 0.27 Acres
  • Features: Cul-De-Sac
  • Lot size dimensions: 75 x 157

Parking

  • Total spaces: 2
  • Parking features: Entry Rear,Lower Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Heat Wave
Inland Flooding
Winter Weather

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 $2,219$26,628
Home Insurance *$215$2,580
Property Taxes $411$4,932
Electricity $211$2,540
Total$3,056$36,672
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,777/yr
40% on housing$91,680/yr
45% on housing$81,493/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: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$164This listing

vs Other Active Listings

Avg $/sqft

ZIP 40223$217
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40223$173
Jefferson County$160

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
2026-08-17Pending sale$439,000
2026-08-07Contingent$439,000
2026-08-02Listed for sale$439,000
2022-02-04Sold$345,000
2022-01-03Pending sale$348,000
2021-12-29Listed for sale$348,000
2016-04-14Sold$267,000

For Sale by Agent

AgentCarol S Shutt
BrokerageCovenant Realty LLC

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