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84 Orchard St, Bardwell, KY, 42023

3beds
2baths
1,680sqft
$259,900
$155price/sqft
$1,728/moest. monthly cost
$69,120/yrincome needed

About This Home

It may be difficult to decide whether to be inside or out in this beautiful home full of living and work spaces. The brick exterior and large concrete drive keep outdoor maintenance easy. A beautiful yard, extra lot (with utility access), 2-car attached garage, 1-2 car detached garage with workbench and storage, a clean and convenient 5 yr-old shed with electricity/task lighting and storage, AND a spacious gazebo/screened in porch provides ample space for living and hobbies. Inside enjoy one-level living with a large open living and dining area, gas logs, beautiful kitchen/appliances, & a large walk-in closet. Extras include an outdoor weather station and fiber internet and surround sound. This home is move-in ready and the extra lot could be just the spot for rental income.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

8/10
6/10

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Solid Masonry

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Eat-in Kitchen,Walk-In Closet(s),Ceiling Fan(s)
  • Flooring: Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Living Room,Ventless
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,680

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,680
  • Total interior livable area: 1,680 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 0261003065.00

Features

  • Levels: One

Lot

  • Lot size: 1 Acres

Parking

  • Total spaces: 3
  • Parking features: Attached Garage,Detached Garage,Driveway,Garage Door Opener,Garage Faces Side
  • 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

  • Ice Storm
    Ice StormVery High
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Cold Wave
Earthquake
Strong Wind
Winter Weather
Drought
Heat Wave
Lightning
Tornado

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 $1,314$15,768
Home Insurance *$113$1,356
Property Taxes $147$1,764
Electricity $154$1,850
Total$1,728$20,736
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$59,245/yr
40% on housing$51,840/yr
45% on housing$46,080/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$155This listing

vs Other Active Listings

Avg $/sqft

ZIP 42023$121
Carlisle County$87

vs Homes Sold Last Month

Median $/sqft

ZIP 42023
Carlisle County$147

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
2026-07-06Price change$259,900
2026-06-02Listed for sale$268,000

For Sale by Agent

AgentTonya Archer
BrokerageKeller Williams Experience - Paducah

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