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122 Adams St, Berea, KY, 40403

3beds
2baths
1,841sqft
$275,000
$149price/sqft
$1,839/moest. monthly cost
$73,560/yrincome needed

About This Home

PRICE IMPROVEMENT! MOTIVATED SELLER! Nestled on a quiet street in the heart of Old Town Berea, this charming home offers an exceptional location just moments from Berea College and the area's vibrant artisan district. Enjoy the character and convenience of one of Berea's most sought-after neighborhoods, where historic charm, local shops, dining, and campus events are all within easy reach. Inside, you'll find timeless character highlighted by original hardwood flooring throughout every room except the kitchen and first-floor bathroom. The warm, inviting living spaces showcase the craftsmanship and charm of a bygone era while offering a comfortable place to call home. Whether you're looking for a primary residence, investment opportunity, or a home close to campus, this property combines location, character, and convenience in a uniquely desirable setting. Don't miss the opportunity to own a piece of Old Town Berea, just minutes from the historic campus of Berea College and all that Berea has to offer.

Getting Around

57
WalkingSomewhat Walkable
0
TransitVery Limited Transit
64
BikeBikeable

Schools

5/10
7/10

Construction

Condition

  • Year built: 1955

Materials

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

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bathroom1

  • Level: First

Bathroom2

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First

Features

  • Ceiling Fan(s)
  • Window features: Window Treatments
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Master Bedroom
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,841

Heating & Cooling

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

Interior Area

  • Total structure area: 1,841
  • Total interior livable area: 1,841 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: B00600140028

Features

  • Levels: One and One Half
  • Fencing: Wood

Lot

  • Lot size: 7,758 sqft
  • Features: Landscaped,Few Trees

Parking

  • Total spaces: 2
  • Parking features: Detached Garage,Driveway,Garage Door Opener,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 $1,390$16,680
Home Insurance *$134$1,608
Property Taxes $161$1,932
Electricity $154$1,850
Total$1,839$22,068
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,051/yr
40% on housing$55,170/yr
45% on housing$49,040/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

$149This listing

vs Other Active Listings

Avg $/sqft

ZIP 40403$167
Madison County$165

vs Homes Sold Last Month

Median $/sqft

ZIP 40403$171
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
2026-07-30Price change$275,000
2026-06-11Listed for sale$285,000
2006-05-30Sold$113,000

For Sale by Agent

AgentRenee McClure
BrokerageWilliams Elite Realty

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