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1418 N Elm St, Henderson, KY, 42420

2beds
1baths
1,726sqft
$209,900
$122price/sqft
$1,591/moest. monthly cost
$63,640/yrincome needed

About This Home

FULLY RENOVATED 1916 BUNGALOW — ACROSS FROM ATKINSON PARK & DEACONESS HOSPITAL 2 Bedrooms | 1 Bath | 1,726 Sq Ft | Full Basement | Built 1916 SELLER OFFERING $5,000 TOWARD MORTGAGE RATE BUYDOWN AT CLOSING — reduce your monthly payment by $100-150/month. Ask us how. This 1916 bungalow has been completely reimagined — not just updated, but thoughtfully reconfigured from the studs up to create a layout that actually works for modern living. The result is a move-in ready home with the character of a century-old bungalow and the finishes of a brand-new one. The kitchen is the heart of the home: custom white shaker cabinets, quartz marble-look countertops, under-cabinet lighting, subway tile backsplash, farmhouse sink, and all-new stainless steel appliances including refrigerator. A dedicated pantry adds storage that most homes this age simply don't have, and the adjacent dining area flows naturally into the living spaces. Both bedrooms are generously sized with refinished original hardwood floors and fresh neutral paint throughout. The primary bedroom connects to a large walk-in closet with a custom built-in organization system — dual hanging sections, shelving, shoe storage, and basket storage — the kind of closet you don't expect to find at this price point. The fully updated bathroom features a new tub/shower combo, modern vanity with quartz top, beadboard wainscoting, and durable tile flooring. A dedicated flex room — currently staged as a home office — adds a third functional living space ideal for working from home, a guest room setup, playroom, or reading room. At over 1,700 sq ft on the main floor alone, this home lives much larger than its bedroom count suggests. The full unfinished basement adds another 1,246 sq ft with endless potential — finish it for additional bedrooms, a gym, workshop, or serious storage. Outside, a covered front porch welcomes you home, and a rear patio off the kitchen provides private outdoor space. The generous 0.28-acre double lot offers room to expand, garden, or simply enjoy. Located directly across from Atkinson Park — walking trails, recreation, and green space right outside your door — and steps from Deaconess Henderson Hospital. Walkable, central, and move-in ready. Listed at $214,900 with $5,000 seller credit toward rate buydown. Schedule your private showing today.

Getting Around

41
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

5/10
9/10

Construction

Condition

  • Year built: 1916

Materials

  • Foundation: Concrete Block
  • Roof: Asphalt
  • Construction materials: Wood

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Partially finished

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile,Concrete,Hardwood
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,726 sqft

Property

Details

  • Parcel number: 113313

Features

  • Exterior features: Brick
  • Has view: Yes
  • View description: Park

Lot

  • Lot size: 0.28 Acres

Parking

  • Total spaces: 8
  • Parking features: Off-street

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

  • Earthquake
    EarthquakeModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Earthquake
Ice Storm
Strong Wind
Winter Weather

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 $1,061$12,732
Home Insurance *$176$2,112
Property Taxes $200$2,400
Electricity $154$1,850
Total$1,591$19,092
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,548/yr
40% on housing$47,730/yr
45% on housing$42,426/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: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$122This listing

vs Other Active Listings

Avg $/sqft

ZIP 42420$113
Henderson County$115

vs Homes Sold Last Month

Median $/sqft

ZIP 42420$129
Henderson County$131

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
2026-05-01Listed for sale$214,900
2021-09-24Sold$185,000
2019-08-01Listing removed$219,500
2018-08-28Listed for sale$219,500
2010-10-18Sold$87,000

For Sale by Owner

AgentProperty Owner

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