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616 Charles Ave, Livermore, KY, 42352

4beds
2baths
2,240sqft
$210,000
$94price/sqft
$1,696/moest. monthly cost
$67,840/yrincome needed

About This Home

Beautifully modernized brick home in Livermore offering 4 bedrooms, 2 bathrooms, and approximately 2,240 sq ft according to tax records. Completely remodeled and updated between 2020 and 2025, this home blends historic character with modern comfort. Features include a spacious living area, updated flooring, remodeled eat-in kitchen, dark shaker-style cabinetry, stainless appliances, recessed lighting, and a functional U-shaped layout. Exterior features include a covered front porch, concrete patio, and a roof replaced in 2016. Move-in ready with plenty of space and charm.

Getting Around

36
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

3/10
7/10
5/10
McLean County High SchoolGrades 9-126.8 mi

Construction

Condition

  • Year built: 1930

Materials

  • Roof: Asphalt
  • Construction materials: Masonry - Brick,Brick Siding,Stone Siding,Vinyl Siding

Notable Dates

  • Major remodel year: 2020

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Microwave,Oven

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Crawl

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 2,240

Heating & Cooling

  • Heating features: Electric,Forced Air,Zoned
  • Cooling features: Central,Zoned

Interior Area

  • Total structure area: 2,240
  • Total interior livable area: 2,240 sqft

Kitchen

  • Features: Eat-in Kitchen,Laminate Counters

Property

Details

  • Parcel number: L5910
  • Lease amount: 0

Features

  • Stories: 2
  • Patio & porch: Patio,Covered Porch
  • Has view: Yes
  • View description: Park,Street

Lot

  • Lot size: 0.25 Acres

Parking

  • Total spaces: 1
  • Parking features: Detached
  • 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

  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $1,061$12,732
Home Insurance *$168$2,016
Property Taxes $291$3,492
Electricity $176$2,122
Total$1,696$20,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,148/yr
40% on housing$50,880/yr
45% on housing$45,226/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: 12.5%
12.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -6.0%
-6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$94This listing

vs Other Active Listings

Avg $/sqft

ZIP 42352$120
McLean County$143

vs Homes Sold Last Month

Median $/sqft

ZIP 42352$158
McLean County$139

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
2026-08-10Contingent$210,000
2026-07-23Price change$210,000
2026-05-12Listed for sale$229,900
2023-09-27Listing removed$109,900
2023-07-27Price change$109,900
2023-07-07Listed for sale$119,900
2014-03-14Sold$8,300

For Sale by Agent

AgentEthan Myres
BrokerageFairway Realty

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