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12601 N Osage Rd, Louisville, KY, 40223

4beds
4baths
4,926sqft
$1,450,000
$294price/sqft
$9,460/moest. monthly cost
$378,400/yrincome needed

About This Home

Beautifully updated 4-bedroom, 3.5-bath Cape Cod tucked onto a private, wooded 1.2-acre corner lot with sweeping views of the Owl Creek golf course. Located in the heart of the highly sought-after Anchorage School District, this exceptional home pairs timeless character with effortless modern living. Designed for both everyday comfort and entertaining, the home is anchored by a stunning chef's kitchen featuring high-end finishes, generous workspace, a spacious walk-in pantry, and a separate butler's pantry that flows into a warm, brick-floored recreation room. The kitchen opens to an expansive, light-filled family room, while the adjoining screened porch with motorized retractable screens extends the living space outdoors and makes it easy to enjoy the beautiful setting throughout the seasons. The thoughtfully designed first floor includes a spacious primary suite with a large en-suite bath and private access to a porch, perfect for morning coffee among the trees or relaxing at the end of the day. A second main-level bedroom and full bath provide excellent flexibility for guests, a private home office, or multi-generational living, including a convenient laundry closet by the primary suite. Upstairs, two generously sized bedrooms share a beautifully appointed adjoining bath, offering comfortable accommodations for family or visitors. Outside is where this home truly stands apart. Mature trees frame the picturesque golf-course views and create a remarkable sense of privacy. Whether relaxing on the screened porch, entertaining in the backyard, or taking in Kentucky's unforgettable sunsets from the front porch, every outdoor space has been designed to embrace the beauty of the setting. Offering the feel of a private retreat while remaining convenient to Anchorage's trails, I-64, and downtown Louisville, this special property presents a rare combination of location, privacy, character, and modern comfort.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1957

Materials

  • Foundation: Crawl Space,Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Wood Frame,Brick Veneer,Brick

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Family Room

  • Level: First

Family Room

  • Level: Basement

Features

  • Number of fireplaces: 4
  • Fireplace: Yes
  • Finished area below ground: 675
  • Finished area above ground: 4,251

Full Bathroom

  • Level: First

Full Bathroom

  • Level: Second

Half Bathroom

  • Level: Second

Heating & Cooling

  • Heating features: Electric,Forced Air,Natural Gas
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 4,251
  • Total interior livable area: 4,926 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Laundry

  • Level: Basement

Living Room

  • Level: First

Mud Room

  • Level: First

Other

  • Level: First

Other

  • Level: Basement

Primary Bathroom

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 001400940000

Features

  • Stories: 2
  • Patio & porch: Screened Porch,Porch
  • Fencing: None

Lot

  • Lot size: 1.21 Acres
  • Features: Corner Lot,Wooded

Parking

  • Total spaces: 2
  • Parking features: Attached,Entry Rear,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Tornado
Heat Wave
Inland Flooding

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 $7,331$87,972
Home Insurance *$713$8,556
Property Taxes $1,027$12,324
Electricity $389$4,668
Total$9,460$113,520
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$324,342/yr
40% on housing$283,800/yr
45% on housing$252,266/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: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$294This listing

vs Other Active Listings

Avg $/sqft

ZIP 40223$212
Jefferson County$144

vs Homes Sold Last Month

Median $/sqft

ZIP 40223$173
Jefferson County$160

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
2026-08-06Price change$1,395,000
2026-07-24Listed for sale$1,450,000
2015-11-16Sold$800,000
2015-09-28Pending sale$815,000
2015-09-11Listed for sale$815,000
2013-09-16Sold$509,250
2013-08-19Price change$549,000
2013-07-26Price change$565,000
2013-06-13Listed for sale$575,000

For Sale by Agent

AgentAmy O'Connor
BrokerageHomepage Realty

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