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173 1/2 E Main St, Frankfort, KY, 40601

2beds
1baths
896sqft
$163,000
$182price/sqft
$1,167/moest. monthly cost
$46,680/yrincome needed

About This Home

Welcome to Frankfort's cutest new listing! This charming all one-level home is conveniently located just minutes from downtown Frankfort and all of the area's amenities. Featuring 2 bedrooms, spacious closets, a cozy fireplace, an updated bathroom, and a ramp for easy access, this home offers both comfort and functionality. Several recent updates provide peace of mind, including fresh paint throughout, a new HVAC system, updated electrical with added electric in the garage, new flooring, kitchen appliances, and beautifully refreshed landscaping around the entire property. This home has been lovingly maintained and is move-in ready for its new owner. Priced to sell - don't miss your chance to see this one before it's gone!

Getting Around

60
WalkingSomewhat Walkable
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

5/10
Second Street SchoolGrades K-80.7 mi
6/10
Frankfort High SchoolGrades 9-120.6 mi

Construction

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Microwave,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Eat-in Kitchen,Walk-In Closet(s)
  • Window features: Blinds
  • Flooring: Hardwood,Other
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 896

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Gas

Interior Area

  • Total structure area: 896
  • Total interior livable area: 896 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp

Details

  • Parcel number: 0614403013.00

Features

  • Exterior features: Garden
  • Fencing: Partial,Privacy,Wood

Lot

  • Features: Landscaped

Parking

  • Total spaces: 1
  • Parking features: Detached Garage,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Lightning
Winter Weather

FEMA Declared Disasters Across Kentucky Counties

Flood
Hurricane
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
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 $824$9,888
Home Insurance *$90$1,080
Property Taxes $99$1,188
Electricity $154$1,850
Total$1,167$14,004
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,011/yr
40% on housing$35,010/yr
45% on housing$31,120/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: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 40601$140
Franklin County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 40601$153
Franklin County$144

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
2026-06-20Price change$163,000
2026-05-21Listed for sale$169,000
2024-04-30Sold$96,900
2024-04-10Pending sale$96,900
2024-04-09Listed for sale$96,900
2024-03-27Pending sale$96,900
2024-03-27Listed for sale$96,900

For Sale by Agent

AgentNicole Carlton
BrokerageTorrey Smith Realty Co, LLC

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