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3308 Camargo Rd, Mount Sterling, KY, 40353

4beds
1baths
3,206sqft
$91,900
$29price/sqft
$885/moest. monthly cost
$35,400/yrincome needed

About This Home

Investment Opportunity - Victorian Revival with Renovation Potential 1960s Victorian Revival-style home featuring ornate woodwork and a dramatic curved staircase that highlights the timeless character of this spacious property. Offering 3,206 sq. ft. of living space, this two-story home showcases architectural details that reflect the elegance and craftsmanship of classic Victorian design. From the moment you enter, the eye-catching stairwell with its traditional curved geometry creates a striking focal point, complemented by vintage interior elements waiting to be revitalized. The home features 4 bedrooms with a primary bedroom conveniently located on the first floor, along with expansive living areas that provide excellent potential for renovation and reimagining. Much of the home's original charm and architectural character remain, offering the perfect canvas for an investor or renovation enthusiast to restore and enhance with modern updates. Key system updates include a metal roof, water heater approximately 3 years old, and gas furnace replaced approximately 6 years ago, providing a solid foundation for future improvements. With the right vision and creativity, this property has the potential to become a beautifully restored Victorian residence or a standout investment property. Property is being sold AS-IS. Home will not qualify for traditional financing. CASH Buyers Only. looked up closing and active properties from 2025 to present with results as follows: CASH Buyers Only.-The kitchen has been partially demoed with cabinets and fixtures already removed, providing a blank slate for your custom design kitchen. NOTE* researched minimal updated upto renovated -comparable in downtown Mt Sterling with price per sq ft range from Close Properties from 2025- 2026 ranging cost per square foot from $84.00- $120.00 with homes with limited upgrades to major Renovation, When calculating 3308 Camargo Dr. with 3206 Sq ft. Utilizing this information to calculate potential value post rehab, The closed prices range $269,000. to $384,720. The Active for-sale properties range from $110. to $153. per sq ft = calculated at 3206 sq ft - ranging lowest to highest $352,000 to $490,000. calculation (3206 Sq ft living space in 3308 Camargo Dr

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

6/10
Camargo Elementary SchoolGrades PK-50.7 mi
7/10
McNabb Middle SchoolGrades 6-83.6 mi
7/10

Construction

Condition

  • Year built: 1960

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Interior Entry,Sump Pump,Unfinished

Bathroom1

  • Level: First

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Entrance Foyer
  • Flooring: Hardwood,Laminate
  • Number of fireplaces: 3
  • Fireplace features: Great Room,Living Room,Master Bedroom
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,206

Foyer

  • Level: First

Great Room

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 3,206
  • Total interior livable area: 3,206 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 0339001002.00

Features

  • Levels: Two
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 0.60 Acres
  • Features: 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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather
Cold Wave
Hail
Inland Flooding
Tornado

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 $464$5,568
Home Insurance *$51$612
Property Taxes $117$1,404
Electricity $253$3,038
Total$885$10,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$30,342/yr
40% on housing$26,550/yr
45% on housing$23,600/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.4%
0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$29This listing

vs Other Active Listings

Avg $/sqft

ZIP 40353$165
Montgomery County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 40353$152
Montgomery County$143

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
2026-05-05Price change$97,000
2026-03-28Price change$99,900
2026-03-13Price change$109,000
2026-03-06Listed for sale$115,000
2025-03-03Sold$75,000
2025-01-31Pending sale$79,900
2025-01-29Price change$79,900
2024-09-22Pending sale$60,000
2024-09-19Listed for sale$60,000
2024-03-20Pending sale$60,000
2024-02-10Contingent$60,000
2024-02-05Listed for sale$60,000
2022-11-21Listing removed$65,000
2022-11-16Price change$65,000
2022-11-09Price change$70,000
2022-11-02Price change$72,000
2022-10-26Price change$75,000
2022-10-20Price change$78,000
2022-10-12Price change$79,900
2022-10-06Price change$84,900
2022-09-28Price change$89,900
2022-09-22Price change$94,900
2022-09-14Price change$99,000
2022-08-17Listed for sale$109,900
2020-04-01Sold$57,800
2020-02-16Pending sale$72,500

For Sale by Agent

AgentJanet L Jones
BrokerageRE/MAX Elite Lexington

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