See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

19 3rd St, Winchester, KY, 40391

3beds
1baths
864sqft
$139,900
$162price/sqft
$1,094/moest. monthly cost
$43,760/yrincome needed

About This Home

3BR/1BA | Winchester, KY Affordable single-family homes are hard to come by at this price — here's your chance. This cozy 3-bedroom, 1-bath home in Winchester sits on a generous lot with a large backyard, long driveway with plenty of parking, a welcoming covered front porch, and accessible front entry with both steps and a ramp. it's efficient and easy to maintain — and don't let the square footage fool you. A huge walk-in crawl space underneath the home offers exceptional storage that most homes twice the size don't have. The big-ticket items are handled: a brand new roof was installed in 2024, giving you peace of mind for years to come. Currently tenant occupied — ideal for an investor looking for immediate cash flow, or a future owner-occupant planning ahead.

Getting Around

50
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

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: Refrigerator,Range
  • Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Eat-in Kitchen,Ceiling Fan(s)
  • Window features: Blinds
  • Flooring: Carpet,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 864

Heating & Cooling

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

Interior Area

  • Total structure area: 864
  • Total interior livable area: 864 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp

Details

  • Parcel number: 054300302000

Features

  • Levels: One
  • Fencing: Chain Link,Partial

Lot

  • Lot size: 4,356 sqft

Parking

  • Parking features: Off Street

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 $707$8,484
Home Insurance *$68$816
Property Taxes $165$1,980
Electricity $154$1,850
Total$1,094$13,128
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$37,508/yr
40% on housing$32,820/yr
45% on housing$29,173/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

$162This listing

vs Other Active Listings

Avg $/sqft

ZIP 40391$164
Clark County$165

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
2026-05-04Price change$148,000
2026-04-23Price change$149,999
2026-04-14Listed for sale$155,000
2022-03-29Listing removed--
2022-03-25Listed for rent$950
2022-03-13Listing removed--
2022-03-10Listed for rent$950
2022-03-07Sold$99,000
2022-01-27Pending sale$115,000
2022-01-04Listed for sale$115,000
2021-12-21Pending sale$115,000
2021-12-07Listed for sale$115,000
2018-11-25Listing removed$650
2018-11-19Listed for rent$650
2018-01-25Listing removed$650
2017-12-30Listed for rent$650
2017-04-29Listing removed$650
2017-04-14Listed for rent$650
2017-02-24Sold$35,500
2017-01-26Pending sale$28,000
2017-01-17Listed for sale$28,000
2016-08-11Listing removed$31,000
2016-05-30Pending sale$31,000
2016-05-30Price change$31,000
2016-02-03Price change$39,000
2016-01-25Listed for sale$39,900
2007-02-23Sold$55,000

For Sale by Agent

AgentTony Giglio
BrokerageListWithFreedom.com

Similar Homes