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4328 Harts Ct, Paducah, KY, 42001

5beds
4baths
4,320sqft
$425,000
$98price/sqft
$3,075/moest. monthly cost
$123,000/yrincome needed

About This Home

Set on a spacious double lot, this expansive brick home offers incredible flexibility with 5 bedrooms and the potential for up to 7 bedrooms to accommodate growing families. Inside, you'll find an abundance of oversized living spaces designed for gathering, entertaining, and everyday comfort. The fully finished walk-out basement provides exceptional additional living area, creating endless possibilities for a recreation room, media space, home gym, guest quarters, or private retreat. Large windows throughout the home allow natural light to fill the interior, while the thoughtful layout offers versatility rarely found in today's market. Outside, enjoy the charm and productivity of a beautiful vegetable and fruit garden, perfect for those who appreciate fresh produce and outdoor living. With generous room to spread out both inside and out, this property combines space, function, and lifestyle in a setting that feels private while remaining convenient to everything Paducah has to offer.

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

8/10
Clark Elementary SchoolGrades K-50.8 mi
6/10
Paducah Middle SchoolGrades 6-80.9 mi
4/10

Construction

Condition

  • Year built: 1973

Materials

  • Foundation: Block
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Eat-in Kitchen,In-Law Floorplan,Ceiling Fan(s)
  • Flooring: Laminate,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Basement
  • Fireplace: Yes
  • Finished area below ground: 2,160
  • Finished area above ground: 2,160

Heating & Cooling

  • Heating features: Electric,Natural Gas
  • Cooling features: Electric

Interior Area

  • Total structure area: 4,320
  • Total interior livable area: 4,320 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 0961400038

Features

  • Levels: Multi/Split
  • Fencing: Partial

Lot

  • Lot size: 0.70 Acres

Parking

  • Total spaces: 1
  • Parking features: Detached Garage,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

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 $2,149$25,788
Home Insurance *$450$5,400
Property Taxes $135$1,620
Electricity $341$4,093
Total$3,075$36,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,428/yr
40% on housing$92,250/yr
45% on housing$82,000/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: 11.4%
11.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$98This listing

vs Other Active Listings

Avg $/sqft

ZIP 42001$125
McCracken County$117

vs Homes Sold Last Month

Median $/sqft

ZIP 42001$133
McCracken County$127

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$425,000
2026-07-07Listed for sale$449,000

For Sale by Agent

AgentCallie Foster
BrokerageArnold Realty Group

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