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11414 Whitney Hill Rd, Louisville, KY, 40299

4beds
3baths
2,595sqft
$449,000
$173price/sqft
$3,144/moest. monthly cost
$125,760/yrincome needed

About This Home

Welcome to this beautifully maintained brick home in the sought-after Saratoga Woods neighborhood, offering 4 bedrooms, 2.5 bathrooms, and a functional layout designed for everyday living and entertaining. A welcoming foyer leads into a spacious living room centered around a cozy gas fireplace. The adjoining eat-in kitchen features stainless steel appliances, ample prep space, a large pantry closet, and views of the backyard. Just beyond, the light-filled breakfast room opens directly to the deck, creating an effortless connection between indoor and outdoor living. A formal dining room near the front entry provides a dedicated space for gatherings or hosting holidays, while a conveniently located half bath and laundry closet complete the main level. Upstairs, the spacious primary suite is highlighted by a second gas fireplace and a generously sized ensuite bath with a double-sink vanity, soaking tub, and abundant storage. The suite also offers two closets, including a walk-in closet in the bedroom and an additional closet within the bathroom. Two additional bedrooms and a full hall bath complete the second level. The finished lower level expands the living space with a comfortable family room featuring built-in shelving, a fourth bedroom, and a dedicated storage room with built-in cabinetry to keep everything organized. Outside, the spacious backyard offers plenty of room for gardening, recreation, or entertaining. The freshly painted deck, located just off the breakfast room, provides the perfect setting for relaxing or hosting guests. Thoughtful landscaping enhances the curb appeal, with a blooming Rose of Sharon tree and newly planted zinnias and wildflowers adding seasonal color. An attached two-car garage adds everyday convenience. Ideally located in Saratoga Woods, this home offers easy access to shopping, restaurants, parks, schools, and major roadways, placing everyday amenities just minutes away.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

6/10
3/10
Ramsey Middle SchoolGrades 6-82.0 mi
2/10
Jeffersontown High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 1995

Materials

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

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Breakfast Room

  • Level: First

Dining Room

  • Level: First

Family Room

  • Level: Basement

Features

  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 707
  • Finished area above ground: 1,888

Foyer

  • Level: First

Full Bathroom

  • Level: Second

Half Bathroom

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 1,888
  • Total interior livable area: 2,595 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Other

  • Level: Basement

Primary Bathroom

  • Level: Second

Primary Bedroom

  • Level: Second

Property

Details

  • Parcel number: 274402900000

Features

  • Stories: 2
  • Pool features: Association
  • Patio & porch: Deck,Porch
  • Fencing: None

Lot

  • Lot size: 10,018 sqft
  • Features: Sidewalk

Parking

  • Total spaces: 2
  • Parking features: Attached,Entry Front,Driveway
  • 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

  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Heat Wave
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 $2,270$27,240
Home Insurance *$240$2,880
Property Taxes $430$5,160
Electricity $204$2,459
Total$3,144$37,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,794/yr
40% on housing$94,320/yr
45% on housing$83,840/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

$173This listing

vs Other Active Listings

Avg $/sqft

ZIP 40299$211
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40299$164
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)

Price History

DateEventPrice
2026-08-12Contingent$449,000
2026-07-22Listed for sale$449,000
2022-06-03Sold$415,000
2022-04-26Pending sale$415,000
2022-04-21Listed for sale$415,000
2013-06-21Sold$260,000
2009-11-19Sold$222,500

For Sale by Agent

AgentLaura Rice & Associates
BrokerageLenihan Sotheby's Int'l Realty

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