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111 W North St, Carlisle, KY, 40311

5beds
3baths
3,592sqft
$425,000
$118price/sqft
$2,939/moest. monthly cost
$117,560/yrincome needed

About This Home

Rare opportunity to enjoy the convenience of in-town living with the privacy and space of over 2.5 acres! This exceptionally well-maintained brick ranch offers nearly everything today's buyers are looking for, including a full finished walkout basement that functions as a second complete residence. The main level features a beautifully renovated kitchen, spacious living room, dining area, laundry room, 3 bedrooms, and 2 full baths. The lower level includes its own kitchen, living room, 2 bedrooms, full bath, laundry room, and separate walkout access—perfect for multigenerational living, guests, rental income potential, or a private home office setup. Outside, you'll find a blacktop driveway leading to both a detached brick garage and an impressive metal shop building. Equipped with water and electric, the shop offers endless possibilities for hobbyists, car enthusiasts, RV storage, workshops, small business operations, equipment storage, and more. Enjoy city water, sewer, and all the amenities of Carlisle while still having plenty of room to spread out and enjoy your own slice of Kentucky. Two complete homes under one roof with incredible storage and workspace opportunities—this property truly offers unmatched versatility and value!

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10

Construction

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Range
  • Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup,Lower Level

Basement

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

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bathroom2

  • Level: First

Bathroom3

  • Level: Lower

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedroom4

  • Level: Lower

Bedroom4

  • Level: Lower

Bedroom5

  • Level: Lower

Bedroom5

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Family Room

  • Level: Lower

Family Room

  • Level: Lower

Features

  • In-Law Floorplan
  • Flooring: Laminate,Tile
  • Finished area below ground: 1,952
  • Finished area above ground: 1,640

Heating & Cooling

  • Heating features: Electric,Natural Gas,Dual Fuel
  • Cooling features: Electric

Interior Area

  • Total structure area: 3,592
  • Total interior livable area: 3,592 sqft

Kitchen

  • Level: First

Kitchen

  • Level: Lower

Living Room

  • Level: First

Living Room

  • Level: Lower

Master Bedroom

  • Level: First

Utility Room

  • Level: Lower

Utility Room

  • Level: Lower

Property

Details

  • Parcel number: C0324029.00

Features

  • Levels: One
  • Fencing: Partial

Lot

  • Lot size: 2.85 Acres
  • Features: Many Trees

Parking

  • Total spaces: 3
  • Parking features: Detached Garage,Driveway,Off Street
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather
Cold Wave
Hail
Heat Wave
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 $2,149$25,788
Home Insurance *$344$4,128
Property Taxes $163$1,956
Electricity $283$3,404
Total$2,939$35,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$100,765/yr
40% on housing$88,170/yr
45% on housing$78,373/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: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 4.1%
4.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$118This listing

vs Other Active Listings

Avg $/sqft

ZIP 40311$315
Nicholas County$334

vs Homes Sold Last Month

Median $/sqft

ZIP 40311
Nicholas County$159

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
2026-05-30Listed for sale$425,000

For Sale by Agent

AgentAndrew Milner
BrokerageOak & Acre

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