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19120 Sturbridge Cir, Louisville, KY, 40245

5beds
5baths
4,154sqft
$829,000
$200price/sqft
$5,591/moest. monthly cost
$223,640/yrincome needed

About This Home

Located in the desirable Locust Creek community, this beautifully maintained two-story walkout offers a spacious floor plan, quality finishes, and exceptional neighborhood amenities including a clubhouse, swimming pool, and tennis courts. A welcoming covered front porch leads to a dramatic two-story foyer and great room with a fireplace, creating an inviting first impression. The main level strikes the perfect balance of open living and defined spaces, ideal for both everyday living and entertaining. The eat-in kitchen features timeless white cabinetry, granite countertops, tile backsplash, stainless steel appliances, a center island, and a generous dining area with access to the rear deck overlooking the wooded backyard. The first-floor primary suite offers a relaxing retreat with a walk- in closet and en suite bath complete with a soaking tub and separate walk-in shower. A laundry room and powder room complete the main level. Upstairs are three additional bedrooms and two full baths, providing plenty of space for family or guests. The finished walkout lower level expands the living space with a large family room, fifth bedroom, fourth full bath, and access to the covered patio. Situated on a private .59-acre wooded lot, this home offers peaceful outdoor living while enjoying one of East Louisville's most sought-after neighborhoods.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

8/10
Stopher Elementary SchoolGrades PK-54.5 mi
8/10
Crosby Middle SchoolGrades 6-87.6 mi
5/10
Eastern High SchoolGrades 9-126.1 mi

Construction

Condition

  • Year built: 2016

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Wood Frame,Brick Veneer,Brick,Stone

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Walkout Finished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Breakfast Room

  • Level: First

Dining Room

  • Level: First

Family Room

  • Level: Basement

Features

  • Open Floorplan
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,080
  • Finished area above ground: 3,074

Full Bathroom

  • Level: Second

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: 3,074
  • Total interior livable area: 4,154 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Primary Bathroom

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 378603780000

Features

  • Stories: 2
  • Pool features: Association
  • Patio & porch: Deck,Porch
  • Fencing: None

Lot

  • Lot size: 0.60 Acres
  • Features: Wooded

Parking

  • Total spaces: 3
  • Parking features: Attached,Entry Side,Electric Vehicle Charging Station(s)
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Tornado
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 $4,191$50,292
Home Insurance *$389$4,668
Property Taxes $683$8,196
Electricity $328$3,936
Total$5,591$67,092
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$191,691/yr
40% on housing$167,730/yr
45% on housing$149,093/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

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 40245$197
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40245$171
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
2026-08-13Price change$810,000
2026-07-10Listed for sale$829,000
2017-02-27Sold$535,000
2015-08-06Sold$90,000

For Sale by Agent

AgentJoseph E Simms
Brokeragesimpler.realestate

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