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9511 Civic Way, Prospect, KY, 40059

3beds
4baths
2,641sqft
$629,900
$239price/sqft
$4,252/moest. monthly cost
$170,080/yrincome needed

About This Home

Dinner at Alchemy, a nightcap on your covered patio, and 2,641 finished square feet waiting inside. 9511 Civic Way, Prospect, KY 40059 holds a particular position in Norton Commons: on the quieter perimeter of the established South Village, close enough to walk to the town center's restaurants, shops, and pools, set back enough that the street stays calm. This 3 bedroom, 3½ bath home delivers 2,641 square feet of finished living space across three levels, including a fully finished basement with a family room, full bath, and egress window. The rear-entry two-car garage and oversized parking pad keep the front of the home clean, a detail you notice on first arrival and appreciate every time you come home. Hardwood floors carry through the entire main level, uniting the kitchen, family room, and dining area in one uninterrupted, easy-to-inhabit sweep. The open layout does what good floor plans do: keeps the cook in the conversation. From the kitchen, sightlines reach the living area and straight through to the covered back patio. That patio anchors the outdoor sequence, covered space for year-round use, stepping directly into a fully fenced yard. In Norton Commons, a private fenced yard is not a given. Here, it's part of the daily routine. Upstairs, all three bedrooms share the same floor, with laundry on the same level, the kind of considered configuration that makes mornings more bearable. The primary suite holds its own private bath; the secondary full bath serves the remaining two bedrooms. Clear, quiet, functional. The lower level is where this home earns its price point. An 805-square-foot finished family room, served by a full bath and an egress window that pulls natural light into a space that reads nothing like a basement which gives you a legitimate fourth room. Media room. Home office. Guest suite with real separation. Most three-bedroom homes in Norton Commons don't offer finished lower-level square footage this livable. Norton Commons Elementary is nearby; Kammerer Middle and Ballard High complete the JCPS path. The $960 annual HOA is among the lowest in the neighborhood and covers the clubhouse and multiple community pools. At $629,900, this is 2,641 finished square feet in one of Louisville's most walkable, most nationally recognized communities. Schedule your private showing today at 9511 Civic Way, Prospect, KY 40059.

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

8/10
Norton Commons ElementaryGrades PK-50.5 mi
4/10
Kammerer Middle SchoolGrades 6-84.0 mi
8/10
Ballard High SchoolGrades 9-124.3 mi

Construction

Condition

  • Year built: 2017

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Cement Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Finished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Area

  • Level: First

Family Room

  • Level: First

Family Room

  • Level: Basement

Features

  • Finished area below ground: 805
  • Finished area above ground: 1,836

Full Bathroom

  • Level: Second

Full Bathroom

  • Level: Basement

Half Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,836
  • Total interior livable area: 2,641 sqft

Kitchen

  • Level: First

Laundry

  • Level: Second

Primary Bathroom

  • Level: Second

Primary Bedroom

  • Level: Second

Property

Details

  • Parcel number: 397205780000

Features

  • Stories: 2
  • Pool features: Association,Community
  • Patio & porch: Patio,Porch
  • Fencing: Wood

Lot

  • Lot size: 2,613 sqft
  • Features: Covt/Restr,Sidewalk,Level
  • Lot size dimensions: 9388 x 474

Parking

  • Total spaces: 2
  • Parking features: On Street,Off Street,Attached,Entry Rear
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Tornado
    TornadoVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Inland Flooding
Cold Wave
Heat Wave
Winter Weather

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 $3,185$38,220
Home Insurance *$248$2,976
Property Taxes $611$7,332
Electricity $208$2,502
Total$4,252$51,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$145,782/yr
40% on housing$127,560/yr
45% on housing$113,386/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: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$239This listing

vs Other Active Listings

Avg $/sqft

ZIP 40059$277
Jefferson County$144

vs Homes Sold Last Month

Median $/sqft

ZIP 40059$213
Jefferson County$160

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
2026-05-05Listed for sale$629,900
2026-04-21Listing removed$634,900
2026-03-17Price change$634,900
2026-02-01Price change$649,000
2025-11-08Listed for sale$659,000
2025-03-03Listing removed$680,000
2024-09-13Listed for sale$680,000
2023-04-18Sold$566,500
2023-02-27Listing removed--
2023-02-06Listed for rent$1,950
2017-05-26Sold$349,750
2017-03-07Sold$62,500

For Sale by Agent

AgentDave Gambol
Brokeragesimpler.realestate

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