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537 Fair St, Henderson, KY, 42420

2beds
1baths
972sqft
$154,900
$159price/sqft
$1,214/moest. monthly cost
$48,560/yrincome needed

About This Home

Charming and well-maintained 2-bedroom, 1-bath home offering 972 square feet of comfortable living space. Inside, you'll find easy-care laminate flooring throughout, large windows that fill the home with natural light, and a spacious kitchen and living area perfect for everyday living and entertaining. Situated on a desirable corner lot, this cute home features a large fenced yard with privacy fencing, a cozy back patio, and a storage shed for added convenience. Parking is plentiful with a one-car carport plus additional space for up to three vehicles on the gravel driveway. This move-in ready property offers comfort, functionality, and plenty of outdoor space to enjoy.

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

5/10
9/10

Construction

Condition

  • Year built: 1954

Materials

  • Roof: Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Range/Oven,Microwave,Electric Water Heater

Basement

  • Basement: None

Bedroom1

  • Level: main
  • Area: 184.08

Bedroom2

  • Level: Main
  • Area: 127.33

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Window features: Some Window Treatments
  • Flooring: Laminate
  • Fireplace features: None
  • Finished area above ground: 972

Heating & Cooling

  • Heating features: Electric Forced Air
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 972 sqft

Kitchen

  • Level: Main
  • Area: 200.45

Living Room

  • Level: Main
  • Area: 304.08

Property

Details

  • Parcel number: 56C35

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Back,Patio
  • Fencing: Privacy,Wood

Lot

  • Lot size: 10,200 sqft
  • Lot size dimensions: 120 x 85

Parking

  • Total spaces: 1
  • Parking features: Detached Carport,Yes,Rock
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Carport: 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

  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Ice Storm
Strong Wind
Winter Weather
Cold Wave
Hail
Heat Wave
Lightning
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 $783$9,396
Home Insurance *$130$1,560
Property Taxes $147$1,764
Electricity $154$1,850
Total$1,214$14,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,622/yr
40% on housing$36,420/yr
45% on housing$32,373/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

$159This listing

vs Other Active Listings

Avg $/sqft

ZIP 42420$114
Henderson County$116

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
2026-07-20Price change$154,900
2026-06-24Listed for sale$160,000
2006-05-22Sold$36,200

For Sale by Agent

AgentJordan Potter
BrokerageKey Associates Signature Realty

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