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200 W 12th St, Benton, KY, 42025

6beds
3baths
2,544sqft
$149,900
$59price/sqft
$1,250/moest. monthly cost
$50,000/yrincome needed

About This Home

This 6-bedroom, 3-bath, 1.5-story home with a full basement sits on a .17-acre corner lot right in the heart of Benton city limits — and it's loaded with potential. The big-ticket items are already done — brand new roof and new windows mean the heavy lifting is finished. With more square footage and bedrooms than you'll find at this price point, this property is a rare find for investors, flippers, or the ambitious buyer ready to build instant equity. The full basement adds valuable bonus space for storage, a workshop, or future finished living area. Positioned on a corner lotwith city utilities and services at your doorstep, the location alone makes this worth a serious look. Minutes from schools, shopping, dining, and nearby Kentucky Lake. Bring your vision, your contractor, and your offer — homes with this much space and upside don't don't sit long! Priced for the project. Built for the payoff.

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

7/10
Benton Elementary SchoolGrades PK-50.1 mi
6/10
South Marshall MiddleGrades 6-82.6 mi
7/10

Construction

Condition

  • Year built: 1935

Materials

  • Foundation: Block,Slab
  • Roof: Dimensional Style
  • Construction materials: Brick Veneer,Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Bath/Stubbed,Concrete,Exterior Entry,Interior Entry,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 3

Cooling

  • Cooling features: Central Air

Features

  • Eat-in Kitchen
  • Window features: Screens
  • Flooring: Other,Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,544

Interior Area

  • Total structure area: 2,544
  • Total interior livable area: 2,544 sqft

Kitchen

  • Level: Lower

Master Bedroom

  • Level: Lower

Property

Details

  • Parcel number: 0B0804044.

Features

  • Levels: Three Or More

Lot

  • Lot size: 7,405 sqft

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

  • Ice Storm
    Ice StormVery High
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Ice Storm
Cold Wave
Earthquake
Hail
Heat Wave
Lightning
Strong Wind
Tornado
Winter Weather
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 $757$9,084
Home Insurance *$181$2,172
Property Taxes $112$1,344
Electricity $200$2,410
Total$1,250$15,000
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$42,857/yr
40% on housing$37,500/yr
45% on housing$33,333/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -2.5%
-2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$59This listing

vs Other Active Listings

Avg $/sqft

ZIP 42025$191
Marshall County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 42025
Marshall County$115

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)

No zestimate history available

Price History

DateEventPrice
2026-05-19Listed for sale$149,900

For Sale by Agent

AgentSamantha McKay
BrokerageThe Jeter Group

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