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227 Jameson St, Mount Sterling, KY, 40353

3beds
2baths
1,088sqft
$149,000
$137price/sqft
$1,114/moest. monthly cost
$44,560/yrincome needed

About This Home

Welcome to 227 Jameson Street, a charming 3-bedroom, 2-bath home offering over 1,000 sq. ft. of comfortable living space. This property is the perfect starter home, providing a welcoming place to begin homeownership. Whether you're a first-time buyer or looking to downsize, this home offers a simple, easy-to-maintain layout with room to make it your own. Conveniently located and move-in ready, 227 Jameson Street is a great opportunity you won't want to miss.

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

7/10
McNabb Middle SchoolGrades 6-81.3 mi
7/10

Construction

Condition

  • Year built: 1995

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Oven

Basement

  • Basement: Crawl Space

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Flooring: Laminate
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Master Bedroom
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,088

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,088
  • Total interior livable area: 1,088 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 23M5016019.00

Features

  • Levels: One

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
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather
Cold Wave
Hail
Inland Flooding
Tornado

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 $753$9,036
Home Insurance *$84$1,008
Property Taxes $123$1,476
Electricity $154$1,850
Total$1,114$13,368
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,194/yr
40% on housing$33,420/yr
45% on housing$29,706/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: 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

$137This listing

vs Other Active Listings

Avg $/sqft

ZIP 40353$164
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
2026-04-02Price change$169,000
2026-03-02Price change$179,000
2026-01-20Listed for sale$184,000
2017-02-22Sold$25,000

For Sale by Agent

AgentJoshua A Davis
BrokerageThe Agency

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