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186 Eddie St, Lexington, KY, 40505

1beds
1baths
825sqft
$142,000
$172price/sqft
$1,096/moest. monthly cost
$43,840/yrincome needed

About This Home

Quaint starter home or investment property. Home has 1 bedroom, 2 small bonus rooms are long and narrow suitable for office space, storage or bunk beds. Completely fenced front and back with a sliding gate in the back. Large concrete slab in the back that can be used for parking or for a patio area. Home is heated and cooled with split hvac systems.

Getting Around

81
WalkingVery Walkable
0
TransitVery Limited Transit
73
BikeVery Bikeable

Schools

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Block
  • Roof: Composition,Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Refrigerator,Washer,Range
  • Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup

Basement

  • Basement: Crawl Space

Bathroom1

  • Level: First

Bedrooms & Bathrooms

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

Bonus Room

  • Level: First

Bonus Room

  • Level: First

Features

  • Ceiling Fan(s)
  • Window features: Insulated Windows
  • Flooring: Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 825

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 825
  • Total interior livable area: 825 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 14871400

Features

  • Levels: One
  • Fencing: Chain Link,Privacy,Wood
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 2,731 sqft

Parking

  • Parking features: Off Street

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

  • Cold Wave
    Cold WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Winter Weather
Lightning
Strong Wind

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 $718$8,616
Home Insurance *$76$912
Property Taxes $148$1,776
Electricity $154$1,850
Total$1,096$13,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$37,577/yr
40% on housing$32,880/yr
45% on housing$29,226/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: 11.5%
11.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$172This listing

vs Other Active Listings

Avg $/sqft

ZIP 40505$160
Fayette County$246

vs Homes Sold Last Month

Median $/sqft

ZIP 40505$170
Fayette County$186

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
2026-05-13Price change$139,900
2026-03-29Price change$145,000
2026-03-06Price change$149,900
2026-01-16Listed for sale$160,000
2024-01-08Sold$135,000
2023-12-01Contingent$139,900
2023-10-19Price change$139,900
2023-09-19Listed for sale$150,000

For Sale by Agent

AgentCynthia A Hubbard
BrokerageRE/MAX Creative Realty

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