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280 Little Union Rd, Fairfield, KY, 40020

2beds
1baths
1,046sqft
$214,900
$205price/sqft
$1,414/moest. monthly cost
$56,560/yrincome needed

About This Home

Welcome home to this charming 2-bedroom, 1-bath ranch situated on a beautiful lot with mature trees and plenty of outdoor space to enjoy. Relax on the impressive covered front porch featuring a ceiling fan and an expansive half-wraparound design. Inside, you'll find light flooring throughout, neutral paint colors, and elegant arched doorways. The spacious living room is highlighted by a large picture window and a stunning floor-to-ceiling stone, wood-burning fireplace tucked into the corner. The eat-in kitchen offers an abundance of cabinet and countertop space, a generous dining area, a stylish black tile backsplash, and stainless steel appliances. Both bedrooms are comfortably sized and share a well-appointed full bathroom. Downstairs, the massive 1,046-square-foot unfinished basement offers endless possibilities for storage, a workshop, or future finished living space. Step outside to enjoy the large backyard, surrounded by mature trees that provide beauty, shade, and privacy. This property combines classic charm, practical living space, and incredible potential. Call today to schedule a showing!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

5/10
4/10
Bloomfield Middle SchoolGrades 6-84.4 mi
7/10
Nelson County High SchoolGrades 9-127.7 mi

Construction

Condition

  • Year built: 1970

Materials

  • Foundation: Concrete Blk
  • Roof: Shingle
  • Construction materials: Wood Frame,Stone

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Dining Area

  • Level: First

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,046

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 1,046
  • Total interior livable area: 1,046 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 59SE001024

Features

  • Stories: 1
  • Patio & porch: Deck,Porch

Lot

  • Lot size: 0.66 Acres
  • Features: Level
  • Lot size dimensions: 170 x 170

Parking

  • Parking features: Off Street,Driveway
  • 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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather
Cold Wave
Inland Flooding
Tornado

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 $1,086$13,032
Home Insurance *$142$1,704
Property Taxes $32$384
Electricity $154$1,850
Total$1,414$16,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$48,480/yr
40% on housing$42,420/yr
45% on housing$37,706/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: 8.3%
8.3%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 40020
Nelson County$167

vs Homes Sold Last Month

Median $/sqft

ZIP 40020$126
Nelson County$185

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
2026-08-10Pending sale$214,900
2026-07-30Listed for sale$214,900
2024-06-07Sold$186,100
2024-04-25Pending sale$179,000
2024-04-23Listed for sale$179,000

For Sale by Agent

AgentJustin Braun
BrokerageTotally About Houses

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