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31 Cemetery Rd, Williamsburg, KY, 40769

4beds
2baths
1,700sqft
$249,500
$147price/sqft
$1,702/moest. monthly cost
$68,080/yrincome needed

About This Home

Welcome to 31 Cementry rd., located on a beautiful corner lot within the city limits, this charming 4 bedroom, 2 bathroom home offers comfort, convenience, and a welcoming feel just 5 minutes from the University of the Cumberlands. The home is in IMMACULATE, move in ready condition and has been very well cared for. Inside, you will find a functional layout with comfortable bedrooms and inviting living spaces that make it easy to feel at home from the moment you walk in. Outside, the yard is a standout feature. The corner lot provides great curb appeal along with a lovely outdoor space to enjoy, whether for relaxing afternoons or spending time with family and friends. As a plus, the property has also been successfully used as a short term rental, offering flexibility for those who may want to generate additional income or simply enjoy a home close to campus. Whether you are looking for a primary residence, a second home, or a property with added versatility, this one is ready to go.

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

2/10
Williamsburg City SchoolGrades PK-121.0 mi

Construction

Condition

  • Year built: 1949

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • 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: First

Bathroom3

  • Level: First

Bathroom4

  • Level: Second

Bedroom2

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Eat-in Kitchen,Ceiling Fan(s)
  • Window features: Screens
  • Finished area below ground: 0
  • Finished area above ground: 1,700

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air,Ceiling Fan(s),Electric,Wall Unit(s)

Interior Area

  • Total structure area: 1,700
  • Total interior livable area: 1,700 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 1102000046.00

Features

  • Levels: One and One Half

Lot

  • Lot size: 9,583 sqft

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

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 $1,261$15,132
Home Insurance *$211$2,532
Property Taxes $76$912
Electricity $154$1,850
Total$1,702$20,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,354/yr
40% on housing$51,060/yr
45% on housing$45,386/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: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 4.0%
4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$147This listing

vs Other Active Listings

Avg $/sqft

ZIP 40769$131
Whitley County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 40769$125
Whitley County$96

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
2026-05-06Price change$275,000
2026-04-08Listed for sale$289,000
2008-10-28Sold$66,000

For Sale by Agent

AgentRocio Gonzalez
BrokerageFreeman Brothers Realty LLC

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