100 W Pearl St, Warsaw, KY, 41095
About This Home
Endless possibilities await with this unique downtown property zoned Central Business District—ideal for both commercial and residential use! Bring your vision to life—whether you're dreaming of a business, mixed-use space, or unique residence. The main level, previously used as a church gathering space, features a spacious and flexible floor plan ready to be transformed to suit your needs. An adjacent green space provides the opportunity to add valuable off-street parking. Upstairs, you'll find a renovated apartment with private exterior access—perfect for rental income or owner occupancy. Updates include fresh paint (2024), resealed hardwood floors, LVP flooring in the kitchen and bath, and freshly painted kitchen cabinetry. Conveniently located near emergency services and just a short walk to the Ohio River, this is a rare opportunity to invest, live, and create in one versatile property! Owner would prefer to sell as a package deal with neighboring property (404 Main Cross, MLS #26005578) - double your opportunity!
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Materials
- Foundation: Slab
- Construction materials: Brick Veneer
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Microwave,Refrigerator,Washer,Oven
- Laundry features: Upper Level
Bathroom1
- Level: Second
Bathroom2
- Level: First
Bedroom2
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Features
- Ceiling Fan(s)
- Window features: Blinds
- Flooring: Carpet,Hardwood,Other,Tile
- Finished area below ground: 0
- Finished area above ground: 1,840
Great Room
- Level: First
Heating & Cooling
- Heating features: Baseboard,Ceiling,Radiant
- Cooling features: Ceiling Fan(s),Window Unit(s),Wall Unit(s)
Interior Area
- Total structure area: 1,840
- Total interior livable area: 1,840 sqft
Kitchen
- Level: Second
Living Room
- Level: Second
Master Bedroom
- Level: Second
Office
- Level: First
Office
- Level: First
Property
Details
- Parcel number: 13A18.08
Features
- Levels: Two
- Fencing: None
- Has view: Yes
- View description: Neighborhood,Other
Lot
- Lot size: 4,356 sqft
Parking
- Parking features: Off Street,Other
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
- Tornado
- Inland Flooding
- Lightning
- Cold Wave
- Ice Storm
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Kentucky Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $733 | $8,796 |
| Home Insurance * | $66 | $792 |
| Property Taxes | $85 | $1,020 |
| Electricity | $154 | $1,850 |
| Total | $1,038 | $12,456 |
Income You'd Need if You Spent...
Kentucky FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-21 | Listed for sale | $160,000 |
| 2023-08-10 | Sold | $90,000 |
| 2023-07-22 | Pending sale | $109,000 |
| 2023-05-06 | Price change | $109,000 |
| 2023-04-13 | Listed for sale | $119,000 |
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