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222 Marion St, Elkton, KY, 42220

2beds
1baths
1,056sqft
$165,000
$156price/sqft
$1,155/moest. monthly cost
$46,200/yrincome needed

About This Home

FOR SALE: Charming & Accessible 2BR Home on .45 Acres * 2 Bedrooms / 1 Bathroom * 0.45 Acre Lot (Inside City Limits) * Wheelchair Accessible Ramp * Covered Front Porch * Storage Building Enjoy the perfect blend of space and convenience! This 2-bedroom, 1-bathroom home offers the rare luxury of nearly half an acre while staying close to all city amenities. Accessibility is a breeze with a sturdy wheelchair ramp leading to the entrance. Relax on the charming covered front porch or take advantage of the backyard—perfect for gardening, pets, or outdoor entertaining. The property also features a storage building, providing ample space for tools, hobbies, or extra gear.

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

6/10
3/10
5/10

Construction

Condition

  • Year built: 1999

Materials

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

Type & Style

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

Interior

Basement

  • Basement: Crawl Space

Bathroom1

  • Level: First

Bedroom2

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Ceiling Fan(s)
  • Flooring: Carpet,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 1,056

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,056
  • Total interior livable area: 1,056 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: First

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp

Details

  • Parcel number: E020223

Features

  • Levels: One
  • Fencing: None

Lot

  • Lot size: 0.45 Acres
  • Features: Few 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

  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

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

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 $834$10,008
Home Insurance *$92$1,104
Property Taxes $75$900
Electricity $154$1,850
Total$1,155$13,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$39,600/yr
40% on housing$34,650/yr
45% on housing$30,800/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: 11.4%
11.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$156This listing

vs Other Active Listings

Avg $/sqft

ZIP 42220$139
Todd County$151

vs Homes Sold Last Month

Median $/sqft

ZIP 42220
Todd County$178

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)

No zestimate history available

Price History

DateEventPrice
2026-03-31Listed for sale$165,000
2025-12-12Listing removed$25,000
2025-07-01Listed for sale$25,000

For Sale by Agent

AgentJosh Watkins
BrokerageSouthern Homes Realty LLC

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