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121 E 32nd St, Covington, KY, 41015

3beds
1baths
792sqft
$165,000
$208price/sqft
$1,267/moest. monthly cost
$50,680/yrincome needed

About This Home

Perfect starter home in the heart of town or great rental to add to your portfolio. Big fenced in yard. Currently getting $1,745 per month rent

Getting Around

55
WalkingSomewhat Walkable
32
TransitSome Transit
33
BikeSomewhat Bikeable

Schools

3/10
Holmes Middle SchoolGrades 6-80.6 mi
1/10
Holmes High SchoolGrades 9-120.5 mi

Construction

Condition

  • Property condition: Existing Structure

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Electric Oven,Refrigerator

Bedroom2

  • Features: See Remarks
  • Level: Second
  • Area: 100
  • Dimensions: 10 x 10

Bedroom3

  • Features: See Remarks
  • Level: Second
  • Area: 99
  • Dimensions: 11 x 9

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Window features: Vinyl Frames

Heating & Cooling

  • Heating features: Has Heating (Unspecified Type)
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 792
  • Total interior livable area: 792 sqft

Kitchen

  • Features: See Remarks
  • Level: First
  • Area: 156
  • Dimensions: 12 x 13

Living Room

  • Features: See Remarks
  • Level: First
  • Area: 100
  • Dimensions: 10 x 10

Primary Bedroom

  • Features: See Remarks
  • Level: First
  • Area: 110
  • Dimensions: 11 x 10

Property

Details

  • Parcel number: 0563109001.00

Features

  • Levels: Multi/Split
  • Stories: 1

Lot

  • Lot size: 4,356 sqft
  • Lot size dimensions: 0.0993

Parking

  • Parking features: On Street
  • 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 WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
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 $834$10,008
Home Insurance *$103$1,236
Property Taxes $176$2,112
Electricity $154$1,850
Total$1,267$15,204
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$43,440/yr
40% on housing$38,010/yr
45% on housing$33,786/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: 7.2%
7.2%
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

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 41015$128
Kenton County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 41015$171
Kenton County$184

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
2026-07-20Price change$165,000
2026-07-08Price change$175,000
2026-06-25Listed for sale$185,000
2026-04-28Listing removed$1,745
2026-04-15Listed for rent$1,745
2025-10-30Sold$74,660
2025-09-25Listing removed$1,395
2025-09-03Price change$1,395
2025-08-19Listed for rent$1,495
2024-06-12Listing removed--
2024-04-04Listed for rent$1,395
2021-07-16Listing removed--
2021-07-01Listed for rent$1,095
2019-08-22Listing removed$745
2019-08-10Listed for rent$745
2019-02-06Sold$45,000
2018-12-27Listed for sale$45,000
2018-11-26Pending sale$45,000
2018-11-02Price change$45,000
2018-07-11Listed for sale$54,000

For Sale by Agent

AgentDavid Schneider
BrokerageBlue Chicken Realty

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