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6503 Fernhill Ct, Louisville, KY, 40291

5beds
4baths
3,071sqft
$489,900
$160price/sqft
$3,414/moest. monthly cost
$136,560/yrincome needed

About This Home

Big, Beautiful Brick in Ivy Oaks! Welcome to 6503 Fernhill Ct, a 5-bedroom, 4-bathroom stunner tucked quietly at the end of a private cul-de-sac. With 3,071 finished sq ft, this modern traditional home features high ceilings, a grand living room with a gas fireplace, and a spacious main-floor primary suite with tray ceilings, double vanity, and walk-in closet. Enjoy cooking in the open kitchen with granite countertops, an island, and a breakfast bar! Plus, take advantage of the brand-new finished walk-out basement featuring a full bath, bedroom, and rec room—perfect for entertaining, a home gym, or an in-law suite. Outside, relax on the deck overlooking a spacious yard with privacy fencing. Don't miss this turnkey opportunity!

Getting Around

41
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10
3/10
Ramsey Middle SchoolGrades 6-82.2 mi

Construction

Condition

  • Year built: 2016

Materials

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

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Finished,Walkout Finished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Area

  • Level: First

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 851
  • Finished area above ground: 2,220

Foyer

  • Level: First

Full Bathroom

  • Level: Second

Full Bathroom

  • Level: Basement

Half Bathroom

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 2,220
  • Total interior livable area: 3,071 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Other

  • Level: Basement

Primary Bathroom

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 389101080000

Features

  • Stories: 2
  • Patio & porch: Deck,Patio,Porch
  • Fencing: Privacy,Wood

Lot

  • Lot size: 8,276 sqft
  • Features: Cul-De-Sac,Covt/Restr,Easement,Sidewalk,Cleared,Level

Parking

  • Total spaces: 2
  • Parking features: Attached,Entry Front,Driveway
  • 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
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Heat Wave
Inland Flooding
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 $2,477$29,724
Home Insurance *$260$3,120
Property Taxes $435$5,220
Electricity $242$2,910
Total$3,414$40,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$117,051/yr
40% on housing$102,420/yr
45% on housing$91,040/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

$160This listing

vs Other Active Listings

Avg $/sqft

ZIP 40291$171
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40291$169
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)

No zestimate history available

Price History

DateEventPrice
2026-08-17Pending sale$484,900
2026-08-07Price change$484,900
2026-07-27Listed for sale$489,900

For Sale by Agent

AgentMatthew A Henegar
BrokerageRE/MAX FIRST

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