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6881 Main St, Thelma, KY, 41260

2beds
1baths
1,300sqft
$85,000
$65price/sqft
$720/moest. monthly cost
$28,800/yrincome needed

About This Home

AFFORDABLE HOUSING! This home offers 2 bedrooms, 1 full bath, lg. fenced yard, perfect for gardening, above-grounded pool - Call for an Appointment -

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

8/10
Central Elementary SchoolGrades PK-61.4 mi
6/10
8/10

Construction

Condition

  • Year built: 2003

Materials

  • Roof: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Range / Oven

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • 1st Floor Bedroom,Cable/DSL Available
  • Flooring: Carpet,Concrete,Laminate,Linoleum / Vinyl
  • Attic: Access Only

Heating & Cooling

  • Heating features: Other,Other,Propane / Butane
  • Cooling features: Other,Wall

Interior Area

  • Total interior livable area: 1,300 sqft

Property

Details

  • Parcel number: 060000002102

Features

  • Exterior features: Vinyl
  • Has view: Yes
  • View description: Water,Mountain
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes

Lot

  • Lot size: 10 sqft

Parking

  • Total spaces: 4
  • Parking features: Off-street

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

  • Inland Flooding
    Inland FloodingVery High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Kentucky Counties

Flood
Hurricane
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
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 $429$5,148
Home Insurance *$53$636
Property Taxes $84$1,008
Electricity $154$1,850
Total$720$8,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$24,685/yr
40% on housing$21,600/yr
45% on housing$19,200/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: 10.6%
10.6%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -4.9%
-4.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$65This listing

vs Other Active Listings

Avg $/sqft

ZIP 41260$49
Johnson County$90

vs Homes Sold Last Month

Median $/sqft

ZIP 41260
Johnson County$103

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)

No zestimate history available

Price History

DateEventPrice
2026-06-06Listed for sale$85,000
2025-12-09Listing removed--
2025-09-10Pending sale$85,000
2025-09-02Listed for sale$85,000
2021-08-03Listing removed--
2021-05-02Listed for sale$79,500
2019-10-01Listing removed$75,000
2018-08-31Price change$75,000
2018-02-07Listed for sale$79,500

For Sale by Owner

AgentProperty Owner

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