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106 Sena Way, Richmond, KY, 40475

6beds
3baths
4,184sqft
$699,900
$167price/sqft
$4,774/moest. monthly cost
$190,960/yrincome needed

About This Home

Spacious and thoughtfully designed, this 6-bedroom, 3-bath ranch on fully finished basement offers incredible flexibility with a desirable split-bedroom floor plan for added privacy. The main level features an open-concept layout anchored by a generous kitchen with stainless steel appliances, upscale countertops, and a walk-in pantry, ideal for both everyday living and entertaining. Durable LVP flooring flows throughout the home, combining style with low-maintenance living. A dedicated office or flex space on the main level provides the perfect setup for working from home, a playroom, or additional living space. The finished basement expands your options with a convenient kitchenette, making it well-suited for guests or multi-generational living. Step outside to a covered rear porch, perfect for relaxing or hosting. With attractive Hardiplank siding and a functional layout designed for modern living, this home offers the space and versatility you've been looking for.

Getting Around

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

Schools

9/10
Boonesborough ElementaryGrades PK-53.0 mi
7/10

Construction

Condition

  • Property condition: New Construction
  • Year built: 2026

Materials

  • Foundation: Concrete Perimeter
  • Roof: Dimensional Style,Shingle
  • Construction materials: Brick Veneer,HardiPlank Type

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Range
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Walk-In Closet(s),Ceiling Fan(s)
  • Window features: Insulated Windows
  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes
  • Finished area below ground: 2,092
  • Finished area above ground: 2,092

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 4,184
  • Total interior livable area: 4,184 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 005100020046

Features

  • Levels: One
  • Fencing: None
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 1.09 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $3,539$42,468
Home Insurance *$347$4,164
Property Taxes $558$6,696
Electricity $330$3,965
Total$4,774$57,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,680/yr
40% on housing$143,220/yr
45% on housing$127,306/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$167This listing

vs Other Active Listings

Avg $/sqft

ZIP 40475$166
Madison County$165

vs Homes Sold Last Month

Median $/sqft

ZIP 40475$175
Madison County$177

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
2026-04-16Listed for sale$724,900
2025-12-18Listing removed$724,900
2025-08-22Listed for sale$724,900

For Sale by Agent

AgentRoss Cummins
BrokeragePremier Property Consultants

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