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104 Reservoir Rd, Frankfort, KY, 40601

2beds
3baths
2,700sqft
$332,000
$123price/sqft
$2,179/moest. monthly cost
$87,160/yrincome needed

About This Home

Welcome to 104 Reservoir Rd—where charm, comfort, and location come together effortlessly. This inviting 2-bedroom, 3-bath home sits in the heart of Tanglewood, one of Frankfort's most desirable and established neighborhoods, known for its mature trees, quiet streets, and strong sense of community. Built in 1974, this home is full of character and thoughtfully updated with key improvements, including a new HVAC system (2022), a beautifully remodeled bathroom (2023), and a brand-new garage door (2026). The primary bedroom is large with a great en-suite bathroom, and the second large bedroom features an attached office which could be converted into a seating area or huge closet! Inside, you'll also find a spacious basement featuring a large bonus area currently used as a guest room, with plenty of additional space ready to be finished to suit your needs. Enjoy the convenience of being just minutes from downtown Frankfort, Buffalo Trace Distillery, local shopping, dining, and the Kentucky State Capitol. Whether you're a first-time buyer, looking to downsize, or searching for a smart investment, this home offers a rare opportunity to own in one of Frankfort's best-kept secret neighborhoods.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

5/10
Second Street SchoolGrades K-80.8 mi
6/10
Frankfort High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1974

Materials

  • Roof: Shingle
  • Construction materials: Brick Veneer

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 900
  • Finished area above ground: 1,800

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Other

Interior Area

  • Total structure area: 1,800
  • Total interior livable area: 2,700 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Office

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 0622019021.00

Features

  • Stories: 1
  • Patio & porch: Enclosed
  • Fencing: Chain Link

Lot

  • Lot size: 9,583 sqft
  • Lot size dimensions: 75 x 125

Parking

  • Total spaces: 2
  • Parking features: Attached,Entry Side
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Inland Flooding
Ice Storm
Lightning
Winter Weather

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 $1,678$20,136
Home Insurance *$184$2,208
Property Taxes $104$1,248
Electricity $213$2,558
Total$2,179$26,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,708/yr
40% on housing$65,370/yr
45% on housing$58,106/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: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$123This listing

vs Other Active Listings

Avg $/sqft

ZIP 40601$140
Franklin County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 40601$153
Franklin County$144

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
2026-04-23Price change$332,500
2026-04-02Listed for sale$335,000
2021-11-29Sold$218,000
2021-10-29Pending sale$225,000
2021-10-26Price change$225,000
2021-10-11Price change$239,900
2021-10-06Listed for sale$255,000
2012-12-12Sold$151,200
2012-11-17Listed for sale$164,900

For Sale by Agent

AgentWesley Broughton
BrokerageWeichert Realtors-H. Barry Smith Co.

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