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320 S 1st St #I, Island, KY, 42350

3beds
2baths
1,792sqft
$179,900
$100price/sqft
$1,235/moest. monthly cost
$49,400/yrincome needed

About This Home

Completely remodeled from top to bottom, this 3-bedroom, 2-bath home is move-in ready! The spacious kitchen features a large island and ample cabinet space, making it perfect for everyday living and entertaining. The primary suite offers a generous walk-in closet. Updates include a new kitchen, remodeled bathrooms, new drywall, and numerous additional improvements throughout, making this a well-maintained home you’ll appreciate. Outside, you’ll find a double carport, fenced backyard, and a spacious covered front porch with a wheelchair-accessible ramp already in place. Don’t miss this beautifully updated home!

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

3/10
7/10
5/10
McLean County High SchoolGrades 9-128.6 mi

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Block
  • Roof: 3-Tab
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured On Land,Residential,Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator,Electric Water Heater
  • Laundry features: W/D Hookup

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Dining Room

  • Features: Dining Area

Features

  • Ceiling Fan(s),Split Bedroom,Walk-In Closet(s),Walk-in Shower
  • Window features: Window Treatments
  • Flooring: Hardwood
  • Fireplace features: Fireplace,Gas Log
  • Fireplace: Yes
  • Attic: None
  • Finished area below ground: 0
  • Finished area above ground: 1,792

Heating & Cooling

  • Heating features: Forced Air,Electric
  • Cooling features: Other

Interior Area

  • Total structure area: 1,792
  • Total interior livable area: 1,792 sqft

Kitchen

  • Features: Eat-in Kitchen,Kitchen Island

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: I145DW1

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch
  • Fencing: Fenced

Lot

  • Lot size: 0.28 Acres
  • Features: Other
  • Lot size dimensions: 0.28 Acre

Parking

  • Total spaces: 2
  • Parking features: Carport,Circular Driveway
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 2

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
  • Earthquake
    EarthquakeRelatively High
  • Hail
    HailRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Ice Storm
Strong Wind
Earthquake
Hail
Tornado
Winter Weather
Cold Wave
Drought
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 $909$10,908
Home Insurance *$113$1,356
Property Taxes $59$708
Electricity $154$1,850
Total$1,235$14,820
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$42,342/yr
40% on housing$37,050/yr
45% on housing$32,933/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: 12.5%
12.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -6.0%
-6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$100This listing

vs Other Active Listings

Avg $/sqft

ZIP 42350
McLean County$143

vs Homes Sold Last Month

Median $/sqft

ZIP 42350$119
McLean County$139

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
2026-07-31Price change$179,900
2026-07-07Listed for sale$189,900

For Sale by Agent

AgentTHE HARRIS GROUP
BrokerageKeller Williams Elite

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