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13 Bel Air Dr, Winchester, KY, 40391

3beds
3baths
2,068sqft
$329,000
$159price/sqft
$2,376/moest. monthly cost
$95,040/yrincome needed

About This Home

Don't let this charming brick ranch fool you—it's what's waiting out back that will absolutely steal the show! Nestled in the heart of Winchester, this 3BR/3BA home offers an incredible backyard oasis that's perfect for entertaining, relaxing, and making memories all summer long. The sparkling in-ground pool is the centerpiece of this private retreat, surrounded by expansive concrete decking and complemented by a covered pool bar with electricity. An additional freestanding deck provides even more room to relax, while the fixed outdoor movie screen creates unforgettable movie nights from the comfort of your pool float. Gather around the fire pit on cool evenings, shoot hoops on the spacious patio, relax in the hot tub, or enjoy hobbies and extra storage in the outbuilding complete with electricity. The fully fenced backyard truly feels like your own private staycation. Inside, the home offers a comfortable and flexible layout. The fully equipped eat-in kitchen features a breakfast bar with a cozy dining/sitting area with fireplace insert that's perfect for easy cooking and entertaining. The main level includes a private primary suite, an additional bedroom, and a second full bath. The finished walkout basement adds exceptional flexibility with a spacious family room that could easily serve as a third bedroom, a full bath, and a bonus room ideal for a home office, exercise room, hobby space, or even a potential fourth bedroom (no egress). A one-car basement garage provides additional storage and convenience. From the street, this home is modest and unassuming—but step into the backyard and you'll discover one of Winchester's best-kept secrets. If you've been dreaming of a home where every day feels like a vacation with an affordable price tag, this is one you won't want to miss!

Getting Around

36
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Construction

Condition

  • Year built: 1962

Materials

  • Foundation: Block
  • Roof: Dimensional Style,Shingle
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Cooktop,Oven
  • Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished,Walk-Out Access

Bathroom2

  • Level: First

Bathroom3

  • Level: Lower

Bedroom2

  • Level: First

Bedroom3

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Bonus Room

  • Level: Lower

Features

  • Breakfast Bar,Entrance Foyer,Eat-in Kitchen,Ceiling Fan(s),Soaking Tub
  • Door features: Storm Door(s)
  • Window features: Insulated Windows,Blinds
  • Flooring: Carpet,Laminate,Wood
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Insert
  • Fireplace: Yes
  • Finished area below ground: 545
  • Finished area above ground: 1,523

Foyer

  • Level: First

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Electric,Heat Pump

Interior Area

  • Total structure area: 2,068
  • Total interior livable area: 2,068 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Level: First

Master Bedroom

  • Level: First

Other

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 042401300600

Features

  • Levels: One
  • Private pool: Yes
  • Pool features: In Ground
  • Exterior features: Basketball Court,Fire Pit
  • Fencing: Privacy,Wood
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 0.34 Acres
  • Features: Landscaped

Parking

  • Total spaces: 1
  • Parking features: Basement,Driveway,Garage Door Opener,Garage Faces Rear
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Winter Weather
Cold Wave
Hail
Ice Storm
Lightning

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 $1,663$19,956
Home Insurance *$161$1,932
Property Taxes $389$4,668
Electricity $163$1,959
Total$2,376$28,512
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,462/yr
40% on housing$71,280/yr
45% on housing$63,360/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: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$159This listing

vs Other Active Listings

Avg $/sqft

ZIP 40391$163
Clark County$164

vs Homes Sold Last Month

Median $/sqft

ZIP 40391$158
Clark County$168

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
2026-08-11Contingent$329,000
2026-07-24Price change$329,000
2026-07-05Listed for sale$339,000
1999-04-16Sold$102,000

For Sale by Agent

AgentRobin S Jones
BrokerageKeller Williams Legacy Group

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