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559 N Main St, New Castle, KY, 40050

5beds
3baths
2,800sqft
$476,000
$170price/sqft
$3,531/moest. monthly cost
$141,240/yrincome needed

About This Home

Beautiful Civil War-era home built in the mid 1800's located in New Castle, KY about 40 min from Downtown Louisville, about 80 min from Cincinnati and 8 miles from I-71. This 2,800 sqft home has 4 large bedrooms and a full bath on the second floor and 1 bedroom with ensuite bathroom on first floor along with a first floor half bath, eat-in kitchen, large dinning room, living room, half-spiral staircase and all the original wood work and floors along with 12' ceilings on both floors. The house has a copper roof put on less than 20 years ago and sits on .848 acres with a 2 car garage with breezeway connecting garage to house and 2 out buildings. New driveway, new beautiful kitchen granite countertops, updated bathrooms and new AC in 2022

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

2/10
8/10
5/10
Henry County High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 1850

Materials

  • Foundation: Stone
  • Roof: Metal
  • Construction materials: masonry

Type & Style

  • Home type: SingleFamily

Interior

Basement

  • Basement: Basement (not specified)

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Heating & Cooling

  • Heating features: Radiant,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 2,800 sqft

Property

Details

  • Parcel number: 028300101200

Features

  • Exterior features: Stone,Brick
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 1 Acres

Parking

  • Total spaces: 4
  • Parking features: Garage - Detached,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
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Inland Flooding
Lightning
Tornado
Cold Wave
Ice Storm
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 $2,406$28,872
Home Insurance *$423$5,076
Property Taxes $481$5,772
Electricity $221$2,653
Total$3,531$42,372
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,062/yr
40% on housing$105,930/yr
45% on housing$94,160/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: 6.2%
6.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.0%
5.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$170This listing

vs Other Active Listings

Avg $/sqft

ZIP 40050$117
Henry County$220

vs Homes Sold Last Month

Median $/sqft

ZIP 40050$106
Henry County$133

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
2026-03-14Listed for sale$479,000
2025-12-22Listing removed--
2025-09-22Listed for sale$575,000
2022-01-25Sold$297,500
2021-11-14Pending sale$319,900
2021-11-11Listed for sale$319,900
2021-11-04Pending sale$319,900
2021-11-02Listed for sale$319,900
2021-03-11Listing removed--
2021-01-23Listed for sale$224,000

For Sale by Owner

AgentProperty Owner

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