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118 Sturbridge Ln, Winchester, KY, 40391

3beds
3baths
2,061sqft
$320,000
$155price/sqft
$2,314/moest. monthly cost
$92,560/yrincome needed

About This Home

Upgraded with vaulted ceiling in an added on room butcher block counter tops. Ceramic hardwood look. Real hardwood upstairs and real maple hand scraped in addition room. New microwave new dishwasher. A huge shed that matches home can be used as a tiny home.

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

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

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Flooring: Softwood,Tile,Carpet,Concrete,Hardwood

Heating & Cooling

  • Heating features: Heat pump,Electric
  • Cooling features: Central

Interior Area

  • Total interior livable area: 2,061 sqft

Property

Details

  • Parcel number: 043102400900

Features

  • Exterior features: Other,Shingle,Vinyl,Cement / Concrete
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 3,920 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached,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

  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Kentucky Counties

Flood
Hurricane
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
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 $1,618$19,416
Home Insurance *$156$1,872
Property Taxes $378$4,536
Electricity $162$1,953
Total$2,314$27,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,337/yr
40% on housing$69,420/yr
45% on housing$61,706/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: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$155This listing

vs Other Active Listings

Avg $/sqft

ZIP 40391$163
Clark County$164

vs Homes Sold Last Month

Median $/sqft

ZIP 40391$158
Clark County$168

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
2026-07-22Price change$320,000
2026-06-07Listed for sale$330,000
2025-08-07Listing removed$339,900
2025-05-19Price change$339,900
2025-03-17Listed for sale$349,000
2025-03-05Listing removed--
2025-02-07Price change$340,000
2025-02-05Listed for sale$355,555
2021-03-24Listing removed--
2020-08-25Listing removed$182,000
2020-08-24Pending sale$182,000
2020-08-21Listed for sale$182,000
2004-02-27Sold$115,900

For Sale by Owner

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