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113 Christmas Ridge Rd, Berea, KY, 40403

2beds
2baths
1,000sqft
$278,000
$278price/sqft
$1,916/moest. monthly cost
$76,640/yrincome needed

About This Home

This property offers an incredible opportunity with its commercial-sized garage, featuring an oversize overhead door and ample space for various uses. Whether you're looking to establish a workshop, pursue a hobby or personal business, or simply need storage for your ATV, small boat, or vehicle, this garage has it all. Includes a full bathroom and office space, complete with an accessory kitchenette. Additional 400 sq ft of storage in the loft area. In addition to the garage is a charming 1000 sq ft single-family home. Features 2 bedrooms and 2 full baths that beautifully combines historical charm with modern amenities. A touch of history with original plank framing and rough sawn members exposed in areas, adding a unique historical element to the home. The possibilities with this property are truly endless.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

6/10
7/10
Foley Middle SchoolGrades 6-81.7 mi
8/10

Construction

Materials

  • Foundation: Block,Slab
  • Roof: Membrane,Metal
  • Construction materials: Aluminum Siding,Other

Type & Style

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

Interior

Appliances

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

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bedroom2

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First

Features

  • Ceiling Fan(s)
  • Window features: Storm Window(s)
  • Flooring: Hardwood,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,000

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Ceiling Fan(s),Heat Pump

Interior Area

  • Total structure area: 1,000
  • Total interior livable area: 1,000 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: B01300020008

Features

  • Levels: One
  • Fencing: Wire

Lot

  • Lot size: 0.31 Acres
  • Features: Few Trees

Parking

  • Total spaces: 3
  • Parking features: Detached Garage,Driveway,Garage Door Opener,Off Street,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather
Hail
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 $1,405$16,860
Home Insurance *$136$1,632
Property Taxes $221$2,652
Electricity $154$1,850
Total$1,916$22,992
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,691/yr
40% on housing$57,480/yr
45% on housing$51,093/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

$278This 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
2026-04-05Listed for sale$278,000
2025-11-30Listing removed$290,000
2025-10-31Listed for sale$290,000
2025-03-17Sold$75,000
2025-02-18Pending sale$80,000
2025-02-14Listed for sale$80,000
2020-12-03Sold$42,500
2020-12-02Pending sale$47,900
2020-10-13Listed for sale$47,900

For Sale by Agent

AgentDana True
BrokerageTRUEAdvantage Realty LLC

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