45 Shirley St, Mount Vernon, KY, 40456
About This Home
Back on the market due to no fault of its own. Check out 45 Richmond St in Mt. Vernon, KY, an inviting 3-bedroom, 1-bath ranch home offering 1,296 sq ft of comfortable living space in a highly convenient location. Situated in town, this well-cared-for property is just minutes from local schools, the public library, the hospital, I-75, and all the everyday amenities you need. Inside, you'll find a warm and welcoming living area featuring a propane fireplace addition—perfect for staying cozy during the winter months. The home has been thoughtfully maintained, offering peace of mind and move-in-ready appeal. Outside, the property includes two additional buildings that add excellent versatility. One is ideal for lawn equipment and storage, while the second is a 12x24 structure with electric is perfect for hobbies, a workshop, or creative space. Whether you're looking for your first home, downsizing, or investing, this property combines comfort, functionality, and a prime location. Don't miss your chance to make it yours!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1963
Materials
- Foundation: Block
- Roof: Composition
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Refrigerator,Cooktop
- Laundry features: Electric Dryer Hookup,Washer Hookup
Basement
- Basement: Crawl Space
Bathroom1
- Level: First
Bedroom2
- Level: First
Bedroom3
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
Family Room
- Level: First
Features
- Eat-in Kitchen
- Door features: Storm Door(s)
- Window features: Storm Window(s)
- Flooring: Carpet,Hardwood,Other
- Number of fireplaces: 1
- Fireplace features: Gas Log,Propane
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,296
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Heat Pump
Interior Area
- Total structure area: 1,296
- Total interior livable area: 1,296 sqft
Kitchen
- Level: First
Living Room
- Level: First
Master Bedroom
- Level: First
Utility Room
- Level: First
Property
Details
- Parcel number: 046W18010
Features
- Levels: One
Lot
- Lot size: 0.48 Acres
Parking
- Total spaces: 1
- Parking features: Attached Carport
- Covered spaces: 1
- Carport: Yes
- Carport 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
- Hail
- Lightning
- Strong Wind
- Tornado
- Winter Weather
- Heat Wave
- Inland Flooding
- Ice Storm
How This Home’s Risks Compare
FEMA Declared Disasters Across Kentucky Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $758 | $9,096 |
| Home Insurance * | $146 | $1,752 |
| Property Taxes | $102 | $1,224 |
| Electricity | $154 | $1,850 |
| Total | $1,160 | $13,920 |
Income You'd Need if You Spent...
Kentucky FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-07 | Listed for sale | $150,000 |
| 2026-05-01 | Contingent | $150,000 |
| 2026-04-12 | Price change | $150,000 |
| 2026-03-28 | Listed for sale | $160,000 |
| 2014-06-26 | Sold | $76,000 |
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