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230 3rd St, Guthrie, KY, 42234

2beds
3baths
951sqft
$179,000
$188price/sqft
$1,252/moest. monthly cost
$50,080/yrincome needed

About This Home

Modern left-side zero lot line with a more city-inspired feel while still giving you the slower pace and space that comes with country living. Think trendy townhome energy without the overcrowded feel you usually get. Located just minutes from Clarksville, this one brings together convenience, style, and low-maintenance living in a way that actually fits real life. The main level has an open flow that keeps the kitchen, dining, and living spaces connected, making it easy to host friends or keep an eye on everything while cooking. Stainless steel appliances, quartz countertops throughout the kitchen and bathrooms, a powder room for guests, and a washer and dryer closet keep the space functional without losing the modern vibe. Upstairs, both bedrooms are set up as true en suites with walk-in closets and tiled bathtubs that give the bathrooms a clean custom look instead of the basic builder-grade feel you see everywhere else. Out back, the private deck gives you your own little reset spot for coffee mornings or late-night unwinding. If you like modern finishes but still want a little breathing room, this one checks both boxes.

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

6/10
3/10
Todd County Middle SchoolGrades 6-811.2 mi
5/10

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bedroom1

  • Features: Full Bath
  • Level: Full Bath
  • Area: 156
  • Dimensions: 12x13

Bedroom2

  • Features: Bath
  • Level: Bath
  • Area: 110
  • Dimensions: 10x11

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Extra Closets,High Ceilings,Open Floorplan,Walk-In Closet(s)
  • Finished area above ground: 951

Heating & Cooling

  • Heating features: Electric,Other
  • Cooling features: Electric,Other

Interior Area

  • Total structure area: 951
  • Total interior livable area: 951 sqft

Kitchen

  • Features: Eat-in Kitchen
  • Level: Eat-in Kitchen
  • Area: 176
  • Dimensions: 11x16

Living Room

  • Features: Combination
  • Level: Combination
  • Area: 143
  • Dimensions: 11x13

Property

Details

  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Topography of land: Level

Lot

  • Features: Level

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
  • Hail
    HailRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Hail
Ice Storm
Strong Wind
Tornado
Drought
Earthquake
Heat Wave
Inland Flooding
Lightning

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 $905$10,860
Home Insurance *$111$1,332
Property Taxes $82$984
Electricity $154$1,850
Total$1,252$15,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$42,925/yr
40% on housing$37,560/yr
45% on housing$33,386/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: 11.4%
11.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$188This listing

vs Other Active Listings

Avg $/sqft

ZIP 42234$116
Todd County$151

vs Homes Sold Last Month

Median $/sqft

ZIP 42234
Todd County$178

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
2026-05-08Listed for sale$209,900
2026-04-26Listing removed$1,195
2026-04-12Price change$1,195
2026-04-10Price change$1,200
2026-04-07Price change$1,250
2026-02-19Listed for rent$1,195
2026-01-25Listing removed$1,195
2026-01-18Price change$1,195
2026-01-05Price change$1,225
2025-12-18Listed for rent$1,250
2025-12-18Listing removed$1,250
2025-11-14Price change$1,250
2025-10-26Listed for rent$1,295

New Construction

AgentKristy Harris
BrokerageKeller Williams Realty Clarksville

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