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603 S Main St, Harlan, KY, 40831

4beds
3baths
2,120sqft
$260,000
$123price/sqft
$2,030/moest. monthly cost
$81,200/yrincome needed

About This Home

This home has been completely renovated with new hardwood floors, new bathrooms, remodeled basement. The home has been made into a modern home with old school style and craftsmanship. A must have if you would like city living with the privacy of the country!!

Getting Around

41
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

7/10
Harlan Elementary SchoolGrades K-40.5 mi
8/10
Harlan High SchoolGrades 5-120.5 mi

Construction

Condition

  • Year built: 1928

Materials

  • Foundation: Stone
  • Roof: Asphalt
  • Construction materials: masonry

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Flooring: Carpet,Hardwood
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat pump,Stove,Electric,Other,Wood / Pellet
  • Cooling features: Central

Interior Area

  • Total interior livable area: 2,120 sqft

Property

Details

  • Parcel number: 082203301100

Features

  • Exterior features: Stone,Brick
  • Has view: Yes
  • View description: City,Mountain

Lot

  • Lot size: 8,712 sqft

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached,Off-street

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

  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Cold Wave
Winter Weather
Hail
Landslide
Tornado
Wildfire

FEMA Declared Disasters Across Kentucky Counties

Flood
Hurricane
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
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 $1,314$15,768
Home Insurance *$369$4,428
Property Taxes $180$2,160
Electricity $167$2,009
Total$2,030$24,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,600/yr
40% on housing$60,900/yr
45% on housing$54,133/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: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$123This listing

vs Other Active Listings

Avg $/sqft

ZIP 40831$67
Harlan County$77

vs Homes Sold Last Month

Median $/sqft

ZIP 40831
Harlan County$61

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)

No zestimate history available

Price History

DateEventPrice
2026-08-09Pending sale$260,000
2026-07-07Listed for sale$260,000
2009-10-08Sold$124,000

For Sale by Owner

AgentProperty Owner

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