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3265 Ridgeway Dr, Ashland, KY, 41102

2beds
1baths
911sqft
$164,900
$181price/sqft
$1,208/moest. monthly cost
$48,320/yrincome needed

About This Home

Charm, character, and an unbeatable location come together in this inviting all-brick ranch situated on an oversized double lot just seconds from Oakview Elementary School. Offering the convenience of one floor plan living, this 2-bedroom, 1-bath home is full of timeless architectural details that are rarely found in today's homes. Step inside and you'll immediately appreciate the old-world craftsmanship, highlighted by graceful arched doorways, hearty trim work, and a cozy living room centered around a beautiful fireplace feature. Brand new carpet adds a fresh touch while complementing the home's classic character, creating a warm and welcoming atmosphere from the moment you walk through the door. Outside, the expansive double lot provides an abundance of space for entertaining, gardening, pets, or simply enjoying the outdoors. The large backyard offers endless possibilities while the storage shed provides convenient space for lawn equipment, tools, and seasonal storage. Whether you're searching for your first home, looking to downsize without sacrificing outdoor space, or simply appreciate the charm of a well-built brick ranch, this property offers a unique opportunity in one of the area's most desirable neighborhoods. With its oversized lot, timeless finishes, and exceptional location near Oakview Elementary, this is a home you'll be proud to call your own.

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

5/10
6/10
Ashland Middle SchoolGrades 6-80.5 mi
5/10

Construction

Condition

  • Property condition: 50 or more Years

Materials

  • Roof: Composition
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Electric Range,Range Hood,Refrigerator

Bedrooms & Bathrooms

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

Features

  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 911

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 911 sqft

Property

Details

  • Parcel number: 031161001200

Features

  • Patio & porch: Patio,Porch
  • Topography of land: Level

Lot

  • Lot size: 9,600 sqft
  • Lot size dimensions: 120 x 80

Parking

  • Parking features: No Garage

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

  • Heat Wave
    Heat WaveVery High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Heat Wave
Lightning
Winter Weather
Hail
Inland Flooding
Ice Storm
Strong Wind
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 $833$9,996
Home Insurance *$127$1,524
Property Taxes $94$1,128
Electricity $154$1,850
Total$1,208$14,496
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,417/yr
40% on housing$36,240/yr
45% on housing$32,213/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: 6.2%
6.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -9.1%
-9.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$181This listing

vs Other Active Listings

Avg $/sqft

ZIP 41102$86
Boyd County$95

vs Homes Sold Last Month

Median $/sqft

ZIP 41102$103
Boyd County$104

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)

No zestimate history available

Price History

DateEventPrice
2026-08-10Price change$154,900
2026-07-30Listed for sale$164,900
2026-07-17Listing removed$168,500
2026-07-01Price change$168,500
2026-06-16Listed for sale$179,900

For Sale by Agent

AgentChristopher L Hutchinson ll
BrokerageKeller Williams Legacy Group

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