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1540 W Highway 42, La Grange, KY, 40031

2beds
1baths
1,225sqft
$1,575,000
$1,286price/sqft
$10,538/moest. monthly cost
$421,520/yrincome needed

About This Home

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

9/10
8/10
9/10
Oldham County High SchoolGrades 9-126.2 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Other

Type & Style

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

Interior

Basement

  • Basement: None

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Dining Area

  • Level: First

Family Room

  • Level: First

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,225

Full Bathroom

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 1,225
  • Total interior livable area: 1,225 sqft

Kitchen

  • Level: First

Property

Details

  • Parcel number: 36000011F&11P

Features

  • Stories: 1
  • Patio & porch: Porch

Lot

  • Lot size: 54.80 Acres
  • Features: Wooded

Parking

  • Parking features: None

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
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold 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 $7,964$95,568
Home Insurance *$760$9,120
Property Taxes $1,660$19,920
Electricity $154$1,850
Total$10,538$126,456
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$361,302/yr
40% on housing$316,140/yr
45% on housing$281,013/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: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,286This listing

vs Other Active Listings

Avg $/sqft

ZIP 40031$200
Oldham County$220

vs Homes Sold Last Month

Median $/sqft

ZIP 40031$169
Oldham 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)

Price History

DateEventPrice
2026-08-14Price change$1,475,000
2026-06-22Listed for sale$1,575,000

For Sale by Agent

AgentPatrick Pollard
BrokeragePollard Realty

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