650 Williams St, Mount Vernon, KY, 40456
About This Home
Welcome to a home where the heavy lifting has already been done, giving you the opportunity to move in with confidence and make it your own. With over 3,000 square feet of living space, this spacious property offers a rare combination of size, functionality, and value that's hard to find at this price point. Recent improvements have created a solid, move-in ready foundation for its next owner. Inside, you'll find generously sized living areas, a functional layout, & plenty of room to spread out, whether you're hosting, working from home, or simply enjoying everyday life. The kitchen offers ample cabinetry a perfect peninsula workspace, granite countertops & an openness to the family room making this cozy & inclusive. Peace of mind is an added bonus with a 1-yr Home Warranty. The main living areas provide flexibility for a variety of furniture layouts & uses. Formal dining-check. Cozy night in with fireplace going-check. Hosting gatherings with family room with patio doors open to bring the outside in and inside out-check. A more formal living area perfect for a quiet space or watching a movie while sports are on in the 2nd family room-check. The list of possibilities is endless & able to grow and morph as seasons of life change. Step outside to a large deck space perfect for relaxing or entertaining, along with a yard that offers additional potential to create your ideal outdoor setup and private oasis. This home is ideal for buyers looking for space, value, and the ability to personalize without taking on major repairs. If you've been searching for a property where the big ticket items have already been addressed, this is one you won't want to miss. NOT!! to be missed is the amazing history story this home tells. See documents for a little walk through Mt Vernon history.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1932
Materials
- Foundation: Crawl Space
- Roof: Shingle
- Construction materials: Vinyl Siding,Brick Veneer,Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Cape Cod,Traditional
- Property subType: Single Family Residence
Interior
Basement
- Basement: None
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 2
- 1/2 bathrooms: 2
Dining Room
- Level: First
Family Room
- Level: First
Features
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 3,256
Full Bathroom
- Level: First
Full Bathroom
- Level: Second
Half Bathroom
- Level: First
Half Bathroom
- Level: Second
Heating & Cooling
- Heating features: Electric,Heat Pump
- Cooling features: Wall/Window Unit(s),Central Air
Interior Area
- Total structure area: 3,256
- Total interior livable area: 3,256 sqft
Kitchen
- Level: First
Laundry
- Level: First
Living Room
- Level: First
Other
- Level: First
Other
- Level: Second
Primary Bedroom
- Level: First
Sitting Room
- Level: Second
Property
Details
- Parcel number: 046NW02001 &02
Features
- Stories: 2
- Private pool: Yes
- Pool features: Above Ground
- Patio & porch: Deck,Porch
- Fencing: Privacy,Partial,Wood
Lot
- Lot size: 1 Acres
- Features: Dead End,Level
Parking
- Total spaces: 3
- Parking features: Attached,Entry Front
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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 | $1,463 | $17,556 |
| Home Insurance * | $283 | $3,396 |
| Property Taxes | $153 | $1,836 |
| Electricity | $257 | $3,085 |
| Total | $2,156 | $25,872 |
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 |
|---|---|---|
| 2026-04-22 | Listed for sale | $304,999 |
| 2026-03-02 | Listing removed | $252,500 |
| 2026-02-04 | Price change | $252,500 |
| 2026-01-23 | Price change | $274,500 |
| 2026-01-21 | Price change | $284,500 |
| 2026-01-17 | Price change | $289,500 |
| 2026-01-13 | Price change | $294,500 |
| 2026-01-09 | Listed for sale | $304,500 |
| 2021-05-20 | Sold | $257,500 |
| 2021-03-09 | Pending sale | $259,000 |
| 2021-03-05 | Listed for sale | $259,000 |
| 2021-03-02 | Listing removed | $249,500 |
| 2021-02-05 | Pending sale | $249,500 |
| 2021-01-12 | Listed for sale | $249,500 |
| 2019-08-08 | Listing removed | $239,900 |
| 2019-07-18 | Price change | $239,900 |
| 2019-07-11 | Price change | $265,500 |
| 2019-07-04 | Price change | $282,500 |
| 2019-05-18 | Price change | $250,000 |
| 2019-02-17 | Listed for sale | $220,000 |
| 2017-04-03 | Sold | $151,000 |
| 2013-11-05 | Sold | $135,000 |
| 2008-06-13 | Sold | $85,000 |
| 2007-03-07 | Sold | $85,000 |
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