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209 Greenhill Way, Mt Sterling, KY, 40353

3beds
2baths
1,092sqft
$215,500
$197price/sqft
$1,595/moest. monthly cost
$63,800/yrincome needed

About This Home

Welcome to this beautiful maintained 3 bedroom, 2 bathroom home offering comfort, convenience and easy one-level living in the heart of Mt. Sterling. Built in 2015, this move in ready property combines modern essentials with cozy charm-perfect for first-time buyers, down sizers or anyone looking for low-maintenance living. Outdoor Living •Brick exterior for classic curb appeal •Deck-perfect for relaxing or entertaining •Storage shed for extra space •Tree-lined lot offering shade and privacy •8,712 sq ft lot ⸻ Location Perks •Located in a quiet neighborhood with parks nearby Easy access to local amenities in Mount Sterling •Public water & sewer ⸻ Additional Details •Year Built: 2015 •Roof: Dimensional shingle •Construction: Brick veneer •Parcel #: 031400301900 •Association: Lexington Blue Grass Why You'll Love It This home offers the perfect blend of functionality, affordability, and charm-with everything you need on one level and a peaceful outdoor space to enjoy. Whether you're relaxing on the porch or hosting on the back deck, this home is ready to fit your lifestyle.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

7/10
McNabb Middle SchoolGrades 6-82.8 mi
7/10

Construction

Condition

  • Year built: 2015

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Microwave,Oven

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Crawl

Bedrooms & Bathrooms

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

Features

  • Flooring: Laminate
  • Finished area above ground: 0

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central

Interior Area

  • Total structure area: 0
  • Total interior livable area: 1,092 sqft

Kitchen

  • Features: Open

Property

Details

  • Parcel number: 031400301900
  • Lease amount: 0

Features

  • Stories: 1
  • Patio & porch: Open Porch,Deck
  • Fencing: Fenced

Lot

  • Features: Corner,Trees

Parking

  • Parking features: Driveway
  • 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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively 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

Lightning
Strong Wind
Tornado
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 $1,089$13,068
Home Insurance *$121$1,452
Property Taxes $231$2,772
Electricity $154$1,850
Total$1,595$19,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,685/yr
40% on housing$47,850/yr
45% on housing$42,533/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.4%
0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$197This listing

vs Other Active Listings

Avg $/sqft

ZIP 40353$163
Montgomery County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 40353$152
Montgomery County$143

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
2026-05-09Price change$219,900
2026-04-24Listed for sale$224,900
2021-03-01Sold$134,000
2020-12-16Pending sale$139,900
2020-12-10Listed for sale$139,900

For Sale by Agent

AgentTina Lacey
BrokerageBOILS REALTY INC

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