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123 E Campbell St, Frankfort, KY, 40601

2beds
1baths
1,885sqft
$299,900
$159price/sqft
$1,883/moest. monthly cost
$75,320/yrincome needed

About This Home

Lots of charm in this South Frankfort home. Inside you are welcomed by gorgeous wood floors and high ceilings in the large entryway and throughout the house. Two spacious bedrooms boast lots of natural light with a third possible (currently setup as a living room). The eat-in kitchen includes stainless appliances and a bar overlooking what could be used as a formal dining room or family room, depending on your preference. The house also features a recently updated bathroom with tile shower and a dedicated laundry and utility room. Outside, the quaint back patio offers a place to relax, including a small pond. There is also a detached garage with a driveway which faces Logan Street and offers options for off-street parking (a huge plus) and storage. Conveniently located just blocks from the Kentucky state capitol (visible from the back patio) and downtown Frankfort, this gem combines timeless character with modern comfort.

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

5/10
Second Street SchoolGrades K-80.5 mi
6/10
Frankfort High SchoolGrades 9-120.2 mi

Construction

Materials

  • Foundation: Stone
  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Refrigerator,Range
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Bedroom2

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: First

Features

  • Entrance Foyer,Ceiling Fan(s)
  • Door features: Storm Door(s)
  • Flooring: Tile,Vinyl,Wood
  • Number of fireplaces: 1
  • Fireplace features: Master Bedroom
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,885

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,885
  • Total interior livable area: 1,885 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 0623203005.00

Features

  • Levels: One
  • Fencing: Wood

Lot

  • Lot size: 6,011 sqft
  • Features: Landscaped

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Tornado
Cold Wave
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 $1,516$18,192
Home Insurance *$166$1,992
Property Taxes $47$564
Electricity $154$1,850
Total$1,883$22,596
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,560/yr
40% on housing$56,490/yr
45% on housing$50,213/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

$159This listing

vs Other Active Listings

Avg $/sqft

ZIP 40601$140
Franklin County$141

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
2026-06-26Listed for sale$299,900
2000-11-06Sold$84,500

For Sale by Agent

AgentJordan Hall
BrokerageCENTURY 21 Simpson & Associates

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