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105 Mildred Ct, Richmond, KY, 40475

4beds
2baths
2,181sqft
$285,000
$131price/sqft
$1,981/moest. monthly cost
$79,240/yrincome needed

About This Home

Welcome home to this charming 1946 gem tucked away on a quiet court! This inviting 4-bedroom, 2-full-bath home blends timeless character with thoughtful updates throughout the years. The remodeled kitchen and bathrooms provide modern convenience while preserving the home's warmth and appeal. The full basement offers abundant storage, a laundry area, and an exterior entrance for added flexibility. Step outside to enjoy the screened-in porch overlooking a multi-level deck—an ideal space for entertaining family and friends, hosting game-day gatherings, or simply relaxing outdoors. Conveniently located and offering plenty of living space inside and out, this home is perfect for a growing family, first-time buyers, or even college students looking to share a home with room to spread out.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

6/10
8/10
Madison Middle SchoolGrades 6-80.8 mi
7/10

Construction

Condition

  • Year built: 1946

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Range
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Entrance Foyer,Ceiling Fan(s)
  • Flooring: Carpet,Concrete,Hardwood,Slate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 336
  • Finished area above ground: 1,845

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,181
  • Total interior livable area: 2,181 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: R00500120066

Features

  • Levels: One and One Half
  • Fencing: Partial,Privacy

Lot

  • Lot size: 6,969 sqft
  • Features: Secluded,Few Trees

Parking

  • Parking features: Driveway
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Winter Weather
Hail
Tornado

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 $1,441$17,292
Home Insurance *$141$1,692
Property Taxes $227$2,724
Electricity $172$2,066
Total$1,981$23,772
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,920/yr
40% on housing$59,430/yr
45% on housing$52,826/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$131This listing

vs Other Active Listings

Avg $/sqft

ZIP 40475$166
Madison County$165

vs Homes Sold Last Month

Median $/sqft

ZIP 40475$175
Madison County$177

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
2026-07-31Price change$285,000
2026-07-23Listed for sale$300,000
2022-06-17Sold$260,000
2022-05-25Pending sale$249,900
2022-05-13Contingent$249,900
2022-05-08Listed for sale$249,900
2022-05-06Contingent$249,900
2022-05-05Listed for sale$249,900

For Sale by Agent

AgentSharon Ben David
BrokerageBerkshire Hathaway de Movellan Properties

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