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632 Walnut Creek Dr, Berea, KY, 40403

3beds
3baths
1,719sqft
$300,000
$175price/sqft
$2,049/moest. monthly cost
$81,960/yrincome needed

About This Home

This beautiful 2 story is only 2 years young. The living room is spacious and has lots of natural light. The kitchen has a breakfast bar, beautiful white cabinetry, and full suite of stainless appliances. There is a powder room/half bath on the main level. Upstairs is a primary suite with en suite bathroom and walk in closet. The two spacious guest rooms share a full bath in the hall. Additionally there is a separate laundry room. Several of the rooms have fresh paint! Downstairs the unfinished basement already has the insulation on the walls hung and the flooring is ready to be laid.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

7/10
Foley Middle SchoolGrades 6-81.8 mi
8/10

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Concrete Perimeter
  • Roof: Dimensional Style,Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Range,Self Cleaning Oven
  • Laundry features: Electric Dryer Hookup

Basement

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

Bathroom1

  • Level: First

Bathroom2

  • Level: Second

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedrooms & Bathrooms

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

Features

  • Eat-in Kitchen,Walk-In Closet(s),Ceiling Fan(s)
  • Window features: Insulated Windows
  • Flooring: Laminate
  • Finished area below ground: 0
  • Finished area above ground: 1,719

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,719
  • Total interior livable area: 1,719 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Level: Second

Master Bedroom

  • Level: Second

Other

  • Level: Second

Property

Details

  • Parcel number: 006000340196

Features

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

Lot

  • Lot size: 7,858 sqft

Parking

  • Total spaces: 1
  • Parking features: Attached Garage,Driveway,Garage Door Opener,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Strong Wind
Tornado
Winter Weather
Hail

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 $1,516$18,192
Home Insurance *$147$1,764
Property Taxes $232$2,784
Electricity $154$1,850
Total$2,049$24,588
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,251/yr
40% on housing$61,470/yr
45% on housing$54,640/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

$175This listing

vs Other Active Listings

Avg $/sqft

ZIP 40403$167
Madison County$165

vs Homes Sold Last Month

Median $/sqft

ZIP 40403$171
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
2026-07-23Price change$300,000
2026-06-18Listed for sale$315,000
2024-09-16Sold$260,000
2024-06-25Price change$264,900
2024-06-07Listed for sale$275,000

For Sale by Agent

AgentStephanie Kelemen
BrokerageKeller Williams Legacy Group

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