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120 Hardin Rd, London, KY, 40744

3beds
2baths
1,815sqft
$200,000
$110price/sqft
$1,437/moest. monthly cost
$57,480/yrincome needed

About This Home

This well-maintained 3-bedroom, 2-bath home offers a spacious and functional layout designed for comfortable everyday living. The large living room provides ample space for gathering and entertaining, flowing conveniently into the kitchen and dining areas. Recent updates add long-term value and peace of mind, including a roof that is only two years old and a heat and air system replaced just one year ago. Step outside to enjoy the oversized, newly constructed back deck—perfect for summer cookouts, outdoor dining, or relaxing evenings. The large backyard offers privacy and plenty of room for recreation, gardening, or pets. Ideally located just one mile from Levi Jackson Wilderness Road State Park, residents can enjoy easy access to a public swimming pool, mini golf, basketball courts, and walking trails. The property is also conveniently situated near local amenities in London and provides quick access to I-75 for an easy commute. A great opportunity for buyers seeking space, updates, and a prime location.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

9/10
8/10
--
Mcdaniel Learning CenterGrades 9-122.3 mi

Construction

Condition

  • Year built: 1978

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Brick Veneer,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Oven

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Flooring: Carpet,Tile,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,815

Heating & Cooling

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

Interior Area

  • Total structure area: 1,815
  • Total interior livable area: 1,815 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 0780000022.35

Features

  • Levels: One

Lot

  • Lot size: 0.50 Acres

Parking

  • Total spaces: 1
  • Parking features: Attached 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

  • Cold Wave
    Cold WaveVery High
  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

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 $1,011$12,132
Home Insurance *$143$1,716
Property Taxes $129$1,548
Electricity $154$1,850
Total$1,437$17,244
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,268/yr
40% on housing$43,110/yr
45% on housing$38,320/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

$110This listing

vs Other Active Listings

Avg $/sqft

ZIP 40744$103
Laurel County$125

vs Homes Sold Last Month

Median $/sqft

ZIP 40744$153
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
2026-04-23Price change$200,000
2026-02-21Listed for sale$217,000
2026-02-01Listing removed$229,000
2025-08-15Listed for sale$229,000
2024-09-09Sold$100,000

For Sale by Agent

AgentShawn J Fisher
BrokerageWEICHERT REALTORS - Ford Brothers

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