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296 S Main St, Russellville, KY, 42276

7beds
7baths
7,021sqft
$649,900
$93price/sqft
$4,984/moest. monthly cost
$199,360/yrincome needed

About This Home

Own one of Kentucky's most iconic historic properties. Located in the heart of Russellville's National Historic District, this extraordinary landmark is famously known as the Old Southern Bank of Kentucky; the site of the legendary 1868 Jesse James Gang bank robbery. Rich in history and architectural character, the property offers a rare opportunity to own a true piece of Kentucky's past while embracing its future potential. Originally constructed in the early 1800s and converted into the Southern Bank of Kentucky in 1857, the building has welcomed visitors for generations. Most recently operating as a successful bed & breakfast, it has become a sought-after destination for history enthusiasts, weekend travelers, and guests seeking a unique getaway conveniently located between Fort Campbell, Bowling Green, Clarksville, and Nashville. Included in the sale are three parcels, providing expansive outdoor space rarely found with historic downtown properties. The beautifully maintained grounds have hosted weddings, receptions, private parties, and community gatherings, creating endless possibilities for continued hospitality, an event venue, boutique inn, museum, commercial venture, or an extraordinary private residence. Inside, guests are immersed in the rich story of one of Russellville's most treasured landmarks, while outside they enjoy the charm of a walkable historic district with local shops, restaurants, and nearby attractions. Outdoor enthusiasts will appreciate close proximity to Lake Malone State Park, hiking, fishing, golf, wineries, and the area's many historic sites. Day trips to Mammoth Cave National Park, Bowling Green, and Nashville make this an ideal location for both residents and visitors. Whether you're searching for an investment opportunity, a one-of-a-kind residence, or the chance to preserve an important piece of Kentucky history.

Getting Around

65
WalkingSomewhat Walkable
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1810

Materials

  • Roof: Metal
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Gas Oven,Gas Range,Dishwasher,Microwave,Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: Electric Dryer Hookup

Basement

  • Basement: Crawl Space

Bedroom1

  • Features: Full Bath
  • Level: Full Bath
  • Area: 306
  • Dimensions: 17x18

Bedroom2

  • Area: 225
  • Dimensions: 15x15

Bedroom3

  • Features: Bath
  • Level: Bath
  • Area: 441
  • Dimensions: 21x21

Bedroom4

  • Features: Bath
  • Level: Bath
  • Area: 378
  • Dimensions: 21x18

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 7
  • Full bathrooms: 6
  • 1/2 bathrooms: 1
  • Main level bedrooms: 2

Den

  • Area: 352
  • Dimensions: 16x22

Dining Room

  • Features: Formal
  • Level: Formal
  • Area: 272
  • Dimensions: 17x16

Features

  • Bookcases
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area above ground: 7,021

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 7,021
  • Total interior livable area: 7,021 sqft

Kitchen

  • Area: 289
  • Dimensions: 17x17

Living Room

  • Features: Formal
  • Level: Formal
  • Area: 306
  • Dimensions: 17x18

Master Bathroom

  • Features: Suite
  • Level: Suite

Other

  • Features: Other
  • Level: Other
  • Area: 238
  • Dimensions: 17x14

Other

  • Features: Bedroom 5
  • Level: Bedroom 5
  • Area: 289
  • Dimensions: 17x17

Other

  • Features: Bedroom 6
  • Level: Bedroom 6
  • Area: 306
  • Dimensions: 17x18

Recreation Room

  • Features: Main Level
  • Level: Main Level
  • Area: 682
  • Dimensions: 22x31

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp

Details

  • Parcel number: 068050901100
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 2
  • Patio & porch: Porch,Covered
  • Fencing: Chain Link
  • Topography of land: Corner Lot

Lot

  • Lot size: 0.32 Acres
  • Features: Corner Lot

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

  • Cold Wave
    Cold WaveVery High
  • Lightning
    LightningVery High
  • Hail
    HailRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Hail
Ice Storm
Strong Wind
Tornado
Drought
Earthquake
Heat Wave
Inland Flooding

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 $3,286$39,432
Home Insurance *$455$5,460
Property Taxes $689$8,268
Electricity $554$6,653
Total$4,984$59,808
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$170,880/yr
40% on housing$149,520/yr
45% on housing$132,906/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: 7.5%
7.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.7%
3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$93This listing

vs Other Active Listings

Avg $/sqft

ZIP 42276$112
Logan County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 42276
Logan County$144

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
2026-08-02Listed for sale$649,900
2025-12-30Listing removed$697,000
2025-05-27Price change$697,000
2024-09-09Price change$790,000
2024-06-26Price change$795,000
2024-01-06Listed for sale$1,199,000
2023-11-13Listing removed--
2022-11-12Listing removed$539,900
2021-11-12Sold$520,000
2021-09-27Pending sale$539,900
2021-09-10Listed for sale$539,900
2018-11-02Listing removed$549,000
2018-06-25Listed for sale$549,000

For Sale by Agent

AgentKayla Pierson
BrokerageKeller Williams Realty Clarksville

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