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257 N Walnut St, Upton, KY, 42784

4beds
2baths
1,471sqft
$184,000
$125price/sqft
$1,389/moest. monthly cost
$55,560/yrincome needed

About This Home

A 4 Bedroom 1.5 bath home located in the great community of Upton. The home features hardwood floors, new carpet, a wood burning fireplace, new kitchen cabinets with a stove and dishwasher. The home is located on a .23 lot in a great area.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

8/10
7/10
East Hardin Middle SchoolGrades 6-814.3 mi
6/10
Central Hardin High SchoolGrades 9-1214.4 mi

Construction

Condition

  • Year built: 1949

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Range/Oven,Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Area: 0

Basement

  • Basement: None

Bathroom

  • Features: Tub/Shower Combo

Bedroom2

  • Level: Main

Bedroom3

  • Features: Carpet
  • Level: Upper

Bedroom4

  • Features: Carpet
  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • Partial bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • None,Eat-in Kitchen
  • Flooring: Carpet,Hardwood,Tile
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,471
  • Total interior livable area: 1,471 sqft

Kitchen

  • Features: Eat-in Kitchen
  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1963001025

Features

  • Levels: One and One Half
  • Patio & porch: Covered Front Porch
  • Fencing: None

Lot

  • Lot size: 10,018 sqft
  • Features: County

Parking

  • Parking features: None

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

  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

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 $930$11,160
Home Insurance *$110$1,320
Property Taxes $195$2,340
Electricity $154$1,850
Total$1,389$16,668
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,622/yr
40% on housing$41,670/yr
45% on housing$37,040/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: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$125This listing

vs Other Active Listings

Avg $/sqft

ZIP 42784$149
Hardin County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 42784
Hardin County$149

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
2026-03-11Listed for sale$192,000
2026-03-09Listing removed$199,000
2026-01-21Price change$199,000
2025-12-19Listed for sale$245,000
2025-12-01Sold$121,100

For Sale by Agent

AgentMarty E Fulkerson
BrokeragePLATINUM PLUS REALTY

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