331 E Union St, Hartford, KY, 42347
About This Home
Beautifully renovated 1885 Victorian home situated on 5 acres with mature trees and a gentle slope to Rough River Creek. This 3,642+ sqft home offers 4 bedrooms, including a first-floor primary suite, 2 bonus rooms, multiple living spaces, and a large sunroom. Interior features include refinished oak hardwood floors, stained glass, detailed woodwork, marble finishes, and a spacious kitchen with gas range and walk-in pantry. The second floor features Brazilian hardwood flooring. Property also includes a newly constructed guest home (within the last year) featuring 1 bedroom, open kitchen/living area, covered and uncovered porches-ideal for short-term or long-term rental. Additional features include a barn, partial unfinished basement for extra storage, ample outdoor space for recreation or animals, and direct access to the creek. Pre-approval required for showings.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1885
Materials
- Roof: Asphalt
- Construction materials: Brick Siding,Vinyl Siding,Wood Siding
Notable Dates
- Major remodel year: 2018
Type & Style
- Home type: SingleFamily
- Architectural style: Victorian
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Refrigerator,Microwave,Oven,Washer,Water Heater,Stainless Steel Appliances
Basement
- Area: 0
Basement
- Has basement: Yes
- Basement: Partial,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Features
- Flooring: Hardwood,Carpet,Marble,Tile
- Number of fireplaces: 3
- Fireplace: Yes
- Finished area above ground: 3,642
Heating & Cooling
- Heating features: Natural Gas,Forced Air,Heat Pump
- Cooling features: Central,Wall/Window Unit(s)
Interior Area
- Total structure area: 3,642
- Total interior livable area: 3,642 sqft
Kitchen
- Features: Eat-in Kitchen,Other Counters
Property
Details
- Parcel number: 90111
- Lease amount: 0
Features
- Stories: 3
- Patio & porch: Patio,Covered Porch
- Has view: Yes
- View description: River,Scenic,Street,Water,Wooded
- Has water view: Yes
- Water view: River,Water
- On waterfront: Yes
- Waterfront features: Riverfront
- Waterbody name: Rough River Creek
Lot
- Lot size: 5 Acres
- Features: Trees
Parking
- Total spaces: 2
- Parking features: Attached
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Ice Storm
- Strong Wind
- Cold Wave
- Hail
- Inland Flooding
- Lightning
- Tornado
- Winter Weather
- Earthquake
- Heat Wave
How This Home’s Risks Compare
FEMA Declared Disasters Across Kentucky Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,528 | $30,336 |
| Home Insurance * | $370 | $4,440 |
| Property Taxes | $466 | $5,592 |
| Electricity | $287 | $3,451 |
| Total | $3,651 | $43,812 |
Income You'd Need if You Spent...
Kentucky FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-23 | Listed for sale | $549,900 |
| 2024-05-13 | Sold | $475,000 |
| 2024-04-03 | Listed for sale | $475,000 |
| 2021-07-29 | Sold | $400,000 |
| 2021-07-09 | Pending sale | $425,000 |
| 2020-10-19 | Price change | $425,000 |
| 2020-09-16 | Listed for sale | $413,500 |
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