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816 W Chester Ave, Middlesboro, KY, 40965

2beds
2baths
1,240sqft
$79,900
$64price/sqft
$703/moest. monthly cost
$28,120/yrincome needed

About This Home

Ranch-style home built in 1950 offering over 1,200 square feet with 2 bedrooms and 2 full bathrooms. Features include a covered patio, a fireplace in the living room, and additional space suitable for a den or workspace. The home sits on an approximate 0.38-acre lot.

Getting Around

36
WalkingCar-Dependent
0
TransitVery Limited Transit
62
BikeBikeable

Schools

5/10
5/10
6/10
Middlesboro High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Block
  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Basement: Crawl Space

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bedroom2

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Den

  • Level: First

Features

  • Ceiling Fan(s)
  • Flooring: Hardwood,Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,240

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,240
  • Total interior livable area: 1,240 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 0692415011.00
  • Special condition: Real Estate Owned

Features

  • Levels: One
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 0.38 Acres

Parking

  • Parking features: Driveway
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Strong Wind
Winter Weather
Hail
Tornado

FEMA Declared Disasters Across Kentucky Counties

Flood
Hurricane
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
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 $404$4,848
Home Insurance *$53$636
Property Taxes $92$1,104
Electricity $154$1,850
Total$703$8,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$24,102/yr
40% on housing$21,090/yr
45% on housing$18,746/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: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 13.7%
13.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$64This listing

vs Other Active Listings

Avg $/sqft

ZIP 40965$93
Bell County$93

vs Homes Sold Last Month

Median $/sqft

ZIP 40965$112
Bell County$113

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
2023-04-07Sold$137,695
2023-03-08Pending sale$129,900
2022-12-19Listed for sale$129,900
2022-03-04Sold$51,480
2022-01-06Pending sale$74,900
2021-11-08Price change$74,900
2021-10-13Listed for sale$84,900

Unknown Listed By

AgentJames Martin
BrokerageCentury 21 Pinnacle

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