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735 Whitley St, London, KY, 40741

4beds
3baths
3,032sqft
$629,000
$207price/sqft
$4,355/moest. monthly cost
$174,200/yrincome needed

About This Home

Charm meets convenience in this delightful single-family abode. Enjoy City lights with the convience of the perfect location. Home is Zoned Commercial R-1, but currently used as Residential. Exquisite home located in the heart of london, includes 4 bedrooms and 3 bath. Upon entering the front door you are greeted with a grand staircase leading to the 2nd floor. Main level boast elegance and charm, with Oversized formal living room, elegant dining room and gourmet kitchen perfect for hosting all the family dinners.A spacious center island provides additional prep space and casual seating, while the open layout seamlessly connects to the dining and living areas for effortless entertaining. Adjacent to the kitchen you will find an enormous second living room perfect for catching those football games on the weekends with the family. Shaded back patio is ideal for morning coffee or afternoon grilling. Cozy first floor bedroom perfect for guest or home office. Home sits on over an acre of level land with mature shade trees. Two-car attached garage provides shelter for vehicles and convenient access to the house. Proceeding upstairs you will discover 2 oversized bedrooms and guest bath. Along with the primary bedroom, a spacious private en-suite. Level blacktop driveway with wrap around drive. Discover the spacious unfinished basement offering a unquie opportunity to create your dream living space with high ceilings, desirable walk out exit and as well as in home entrance. This is the perfect blank canvas to design your custom lower level, add extra bedrooms or home entertainment area. With over 3,000 sq. ft. to enjoy, this home is ready to meet all your needs, just minutes from schools, shopping, dining, and city amenities. Home could easily be converted to commercial property best uses would include bed and breakfast. Airbnb or prime office space.

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

9/10
8/10
7/10
South Laurel High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1964

Materials

  • Foundation: Other
  • Roof: Shingle
  • Construction materials: Brick Veneer,Other

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Interior Entry,Sump Pump,Unfinished,Walk-Out Access

Bathroom1

  • Level: First

Bathroom3

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: First

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Breakfast Bar,Central Vacuum,Entrance Foyer,Eat-in Kitchen,Ceiling Fan(s)
  • Door features: Storm Door(s)
  • Window features: Blinds,Screens
  • Flooring: Laminate,Other,Tile
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,032

Heating & Cooling

  • Heating features: Ceiling,Natural Gas
  • Cooling features: Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 3,032
  • Total interior livable area: 3,032 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Level: Second

Master Bedroom

  • Level: Second

Utility Room

  • Level: First

Property

Details

  • Parcel number: 0628000021.00

Features

  • Levels: Three Or More
  • Exterior features: Fire Pit
  • Fencing: None
  • Has view: Yes
  • View description: Neighborhood,Other

Lot

  • Lot size: 1.78 Acres
  • Features: Landscaped,Few Trees

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Driveway,Garage Door Opener,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Hail
Lightning
Strong Wind
Tornado
Earthquake
Heat Wave
Inland Flooding

FEMA Declared Disasters Across Kentucky Counties

Flood
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
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 $3,180$38,160
Home Insurance *$513$6,156
Property Taxes $423$5,076
Electricity $239$2,873
Total$4,355$52,260
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,314/yr
40% on housing$130,650/yr
45% on housing$116,133/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: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 4.0%
4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$207This listing

vs Other Active Listings

Avg $/sqft

ZIP 40741$143
Laurel County$124

vs Homes Sold Last Month

Median $/sqft

ZIP 40741$134
Laurel County$129

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
2026-04-21Price change$629,900
2025-12-19Price change$659,900
2025-12-11Price change$660,900
2025-12-01Price change$672,500
2025-11-21Price change$675,000
2025-09-16Price change$725,000
2025-08-29Listed for sale$750,000
2022-03-09Sold$181,166
2014-03-01Listing removed$369,000
2014-01-04Price change$369,000
2013-09-08Listed for sale$395,000

For Sale by Agent

AgentTiffany Edmondson
BrokerageKY Real Estate Professionals, LLC

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