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512 3rd St, Fulton, KY, 42041

3beds
1baths
1,967sqft
$165,000
$84price/sqft
$1,453/moest. monthly cost
$58,120/yrincome needed

About This Home

Beautiful, 1.5 story, remodeled and updated home. Large rooms throughout!. The spacious kitchen is beautiful, with lots of storage and plenty of cabinets. The living and dining rooms offer large space with beautiful refinished hardwood floors. Primary bedroom is on1st level. The upstairs features two large bedrooms and again, plenty of storage. The grounds are beautiful with a large fenced in rear yard, detached garage and storage area. This home is ready for the new owner. Call today to see this one!

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

4/10
Fulton Independent SchoolGrades PK-120.3 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Basement
  • Roof: Asphalt
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Range

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1

Features

  • Window features: Standard With Storm,Thermal Pane
  • Flooring: Hardwood,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: One,Living Room,None
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Has Heating (Unspecified Type)
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 2,280
  • Total interior livable area: 1,967 sqft

Property

Details

  • Parcel number: F453

Features

  • Stories: 1

Lot

  • Lot size: 0.40 Acres
  • Features: Rolling Slope
  • Lot size dimensions: 195 x 90

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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

  • Earthquake
    EarthquakeVery High
  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High

How This Home’s Risks Compare

Earthquake
Ice Storm
Strong Wind
Tornado
Cold Wave
Drought
Heat Wave
Inland Flooding
Lightning
Winter Weather

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 *$321$3,852
Property Taxes $143$1,716
Electricity $155$1,864
Total$1,453$17,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,817/yr
40% on housing$43,590/yr
45% on housing$38,746/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 9.4%
9.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$84This listing

vs Other Active Listings

Avg $/sqft

ZIP 42041$64
Fulton County$59

vs Homes Sold Last Month

Median $/sqft

ZIP 42041
Fulton County$68

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
2026-07-30Listed for sale$165,000
2009-04-28Sold$29,500

For Sale by Agent

AgentKAY MARTIN
BrokerageJIM MARTIN & ASSOCIATES

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