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122 Azalea Ct, Mount Sterling, KY, 40353

5beds
3baths
2,811sqft
$289,000
$103price/sqft
$2,130/moest. monthly cost
$85,200/yrincome needed

About This Home

Welcome to this sweet all brick ranch on a full basement in an established neighborhood! This 5 bed, 2.5 bath home offers the perfect blend of space and location. The main floor boasts 3 bed and 1.5 baths, including a primary bedroom with an ensuite half bath, and an updated eat in kitchen with stainless appliances. The full basement includes 2 additional bedrooms and a full bathroom. Many upgrades have been made including NEW HVAC, NEW Gutters, New Kitchen Appliances, NEW laminate flooring, NEW ceiling fans, NEW washer/dryer combo and more!! All this with an outstanding location, within minutes to all amenities in Mt. Sterling, and less than 5 minutes to I-64!

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

7/10
McNabb Middle SchoolGrades 6-82.0 mi
7/10

Construction

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Microwave,Refrigerator,Washer,Range

Basement

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

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bathroom3

  • Level: Lower

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedroom4

  • Level: Lower

Bedroom5

  • Level: Lower

Bedrooms & Bathrooms

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

Bonus Room

  • Level: First

Features

  • Window features: Blinds
  • Flooring: Carpet,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Insert
  • Fireplace: Yes
  • Finished area below ground: 1,232
  • Finished area above ground: 1,579

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,811
  • Total interior livable area: 2,811 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Living Room

  • Level: Lower

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 23M4011026.00

Features

  • Levels: Two
  • Fencing: Chain Link

Lot

  • Lot size: 0.26 Acres

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 $1,461$17,532
Home Insurance *$163$1,956
Property Taxes $285$3,420
Electricity $221$2,663
Total$2,130$25,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,028/yr
40% on housing$63,900/yr
45% on housing$56,800/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

$103This 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
2026-04-26Price change$299,000
2026-04-09Listed for sale$309,000
2022-06-02Sold$205,000
2022-04-21Pending sale$179,900

For Sale by Agent

AgentKatie Allen
BrokerageKeller Williams Legacy Group

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