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157 Westside Dr, Mount Sterling, KY, 40353

3beds
2baths
1,718sqft
$249,900
$145price/sqft
$1,785/moest. monthly cost
$71,400/yrincome needed

About This Home

Welcome to your dream home in the serene Hill n Dale subdivision of Mt Sterling. This beautifully updated 3 bedroom 2 full bath home sits on a generous lot, just under 1 acre. Inside, you'll find fresh new flooring, new modern paint, and a cozy U-shaped kitchen with updated finishes and brand new stainless steel appliances. Both bathrooms have been refreshed, and the spacious family room offers a perfect secondary living space. With a brand new HVAC system, new water heater, new light fixtures and lots of plumbing updates, there is nothing left to do but move in. This home is a great find in a sought after neighborhood. Schedule your tour today!

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

6/10
7/10
McNabb Middle SchoolGrades 6-82.0 mi
7/10

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Brick Veneer,Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

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

Family Room

  • Level: First

Features

  • Ceiling Fan(s)
  • Door features: Storm Door(s)
  • Window features: Insulated Windows
  • Flooring: Vinyl
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Masonry,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,718

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,718
  • Total interior livable area: 1,718 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 0158002017.00

Features

  • Levels: One
  • Fencing: None

Lot

  • Lot size: 0.88 Acres
  • Features: Many Trees

Parking

  • Total spaces: 1
  • Parking features: Driveway
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 1

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 $1,263$15,156
Home Insurance *$141$1,692
Property Taxes $227$2,724
Electricity $154$1,850
Total$1,785$21,420
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$61,200/yr
40% on housing$53,550/yr
45% on housing$47,600/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

$145This listing

vs Other Active Listings

Avg $/sqft

ZIP 40353$162
Montgomery County$152

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)

Price History

DateEventPrice
2026-08-06Contingent$249,900
2026-08-03Price change$249,900
2026-07-10Price change$264,900
2026-05-31Listed for sale$274,900
2026-04-21Sold$105,000
2016-06-17Sold$110,000
2016-06-03Pending sale$118,000
2016-06-02Price change$118,000
2016-04-14Listed for sale$122,900
2015-11-23Sold$68,250
2015-09-23Pending sale$66,960
2015-09-23Price change$66,960
2015-09-16Price change--
2015-08-07Pending sale$66,960
2015-08-05Price change$66,960
2015-07-23Listed for sale--
2010-09-01Sold$78,500

For Sale by Agent

AgentEdgar Saborit
BrokerageLifstyl Real Estate

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