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111 New Arnold St, Earlington, KY, 42410

1beds
1baths
736sqft
$39,000
$53price/sqft
$439/moest. monthly cost
$17,560/yrincome needed

About This Home

Charming small home with a fenced yard and a lot of potential! This 1 bedroom, 1 bath property offers a simple, manageable layout and an outdoor space full of character, including herbs, mint, berries, and fruit trees. The yard is fully fenced, making it a great spot for gardening, pets, or creating your own private outdoor retreat. The home will require repairs and updates, and the HVAC is currently not operating, though ductwork is already in place. Due to condition, cash, conventional, or portfolio financing will likely be needed; property is not expected to qualify for FHA, VA, or USDA financing.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

8/10
6/10

Construction

Condition

  • Year built: 1879

Materials

  • Foundation: Block,Other
  • Roof: Metal
  • Construction materials: Vinyl Siding,Other

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Gas Range
  • Laundry features: Main Level

Basement

  • Basement: None

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s)
  • Window features: Double Pane Windows,Single Pane,Mini Blinds
  • Fireplace features: None
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Other-See Remarks
  • Cooling features: Other-See Remarks

Interior Area

  • Total structure area: 736
  • Total interior livable area: 736 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Property

Details

  • Parcel number: M263843

Features

  • Patio & porch: Deck,Deck-Covered,Porch-Covered

Lot

  • Lot size: 0.31 Acres
  • Features: Wooded,Other Landscaping (See Remarks)
  • Lot size dimensions: 70 x 190

Parking

  • Parking features: No Garage,Gravel
  • 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

  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Ice Storm
Strong Wind
Hail
Inland Flooding
Lightning
Tornado
Winter Weather
Cold Wave
Earthquake
Heat Wave

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 $197$2,364
Home Insurance *$56$672
Property Taxes $32$384
Electricity $154$1,850
Total$439$5,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$15,051/yr
40% on housing$13,170/yr
45% on housing$11,706/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: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$53This listing

vs Other Active Listings

Avg $/sqft

ZIP 42410$26
Hopkins County$113

vs Homes Sold Last Month

Median $/sqft

ZIP 42410$104
Hopkins County$110

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
2026-07-01Price change$39,000
2026-05-18Listed for sale$44,000
2020-07-29Sold$14,000
2020-07-09Listed for sale$14,900
2005-04-29Sold$10,000

For Sale by Agent

AgentSarah Stone Wilkes
BrokerageHeritage Homes Real Estate

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