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249 Sunset Ave, Richmond, KY, 40475

3beds
3baths
2,800sqft
$315,000
$113price/sqft
$2,218/moest. monthly cost
$88,720/yrincome needed

About This Home

Charming all brick home, conveniently located near downtown Richmond! This spacious three-bedroom, three-bath home offers plenty of room to live and entertain. The main level features a cozy fireplace, a dedicated dining room perfect for gatherings, and a convenient utility room. The finished basement provides excellent flexibility with separate living quarters with its own private entrance that is ideal for guests, extended family, or potential rental space. With classic brick construction and a great location that is close to shopping, dining, and downtown amenities. This home offers comfort, convenience and versatility all in one!

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

6/10
8/10
Madison Middle SchoolGrades 6-80.7 mi
7/10

Construction

Condition

  • Year built: 1947

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Range
  • Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,Main Level,Washer Hookup

Basement

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

Bathroom1

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Eat-in Kitchen,In-Law Floorplan,Ceiling Fan(s)
  • Door features: Storm Door(s)
  • Window features: Blinds
  • Flooring: Carpet,Hardwood,Tile,Vinyl
  • Number of fireplaces: 2
  • Fireplace features: Basement,Gas Log,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,075
  • Finished area above ground: 1,725

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,800
  • Total interior livable area: 2,800 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: R00500140021

Features

  • Levels: One and One Half
  • Private pool: Yes
  • Pool features: Above Ground
  • Fencing: Chain Link,Wood

Lot

  • Lot size: 0.27 Acres

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 $1,592$19,104
Home Insurance *$156$1,872
Property Taxes $249$2,988
Electricity $221$2,653
Total$2,218$26,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,045/yr
40% on housing$66,540/yr
45% on housing$59,146/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

$113This 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
2026-07-25Listed for sale$315,000
2026-07-14Pending sale$315,000
2026-06-26Listed for sale$315,000
2026-06-03Pending sale$315,000
2026-05-29Listed for sale$315,000
2026-03-23Listing removed$315,000
2026-03-17Listed for sale$315,000
2023-02-24Sold$234,000
2023-01-27Pending sale$239,850
2022-10-18Price change$239,850
2022-10-14Listed for sale$239,900
2022-09-24Pending sale$239,900
2022-09-23Listed for sale$239,900
2022-09-07Pending sale$239,900
2022-07-01Price change$239,900
2022-06-08Price change$244,000
2022-05-31Listed for sale$249,000
2021-05-28Sold$218,000
2021-03-30Pending sale$219,900
2021-03-27Price change$219,900
2021-03-18Price change$224,900
2021-03-03Price change$227,500
2021-02-16Price change$242,900
2021-02-07Price change$244,000
2021-01-25Price change$249,000
2021-01-10Price change$259,900
2020-12-23Listed for sale$264,900

For Sale by Agent

AgentCynthia Trgo
BrokerageDiamond Real Estate Group, Inc

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