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1903 S Main St, Hopkinsville, KY, 42240

8beds
8baths
5,024sqft
$295,000
$59price/sqft
$2,255/moest. monthly cost
$90,200/yrincome needed

About This Home

Located in the heart of the historic district, this unique quadruplex offers charm, character, and strong investment potential. Each of the four units features a one bedroom, one bath layout, making it an ideal setup for consistent rental demand. The property showcases timeless curb appeal with a large inviting front porch, perfect for relaxing and enjoying the surrounding mature trees that provide both shade and a peaceful setting. Inside, residents benefit from a shared laundry facility, adding convenience and functionality. A distinctive upstairs common area creates an added sense of community and flexible shared space for tenants. With its classic architectural details, desirable location, and thoughtfully designed layout, this property stands out from typical multi family options. Whether you are looking to expand your portfolio or own a piece of historic charm with income producing potential, this quadruplex is a rare opportunity you will not want to miss.

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

6/10
5/10
3/10

Construction

Condition

  • Year built: 1908

Materials

  • Construction materials: Wood Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Laundry features: Common Area,Electric Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 8

Features

  • Flooring: Wood
  • Finished area above ground: 5,024

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,024
  • Total interior livable area: 5,024 sqft

Property

Details

  • Parcel number: 21900 07 057.00
  • Attached to another structure: Yes
  • Zoning: r-4
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 8,640 sqft
  • Lot size dimensions: 128 x 67.5

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

  • Tornado
    TornadoVery High
  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

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 $1,491$17,892
Home Insurance *$223$2,676
Property Taxes $145$1,740
Electricity $396$4,761
Total$2,255$27,060
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,314/yr
40% on housing$67,650/yr
45% on housing$60,133/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: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.6%
2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$59This listing

vs Other Active Listings

Avg $/sqft

ZIP 42240$106
Christian County$116

vs Homes Sold Last Month

Median $/sqft

ZIP 42240$139
Christian County$152

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
2026-07-21Price change$295,000
2026-06-05Price change$319,000
2026-04-29Listed for sale$339,900
2017-11-25Listing removed$1,000
2017-10-25Listed for rent$1,000
2015-08-29Listing removed$1,000
2015-06-10Listed for rent$1,000

For Sale by Agent

AgentRuby E Pannell
BrokerageAdvantage REALTORS

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