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654 Campbellsville St, Liberty, KY, 42539

--beds
2baths
0sqft
$230,000
--price/sqft
$1,601/moest. monthly cost
$64,040/yrincome needed

About This Home

Prime two‑story brick commercial building in a high‑visibility in‑town location, offering over 8,000 sq. ft. of usable space (per PVA), each floor provides 4,000+ sq. ft., giving you exceptional flexibility for retail, office, studio, or mixed‑use concepts. A full storefront of windows spans the front of the building, creating outstanding opportunities for merchandising, displays, or advertising that will help generate walk in traffic and bring attention to the store front during local activities such as Apple Fest, Summer Music Festival and even the Farmers Market held at the courthouse. The property sits on 0.5 acres and includes two rear parking spaces, additional parking along the storefront, and a rear bay door for convenient loading and unloading. Features Include Two‑story brick construction with excellent street presence Rear bay door for deliveries, workshop access, or inventory handling Two half baths on the first floor Two closets plus an additional storage closet on the second floor Separate exterior entrance to the second floor, plus interior staircase access New electrical unit on the second floor (previously used to run kilns) Gas available (may require line repair) Municipal water and waste removal services 0.5‑acre lot with rear and front parking options This property offers exceptional visibility, flexible floor plans, and the infrastructure to support a wide range of commercial uses.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

4/10
8/10
8/10
Larue County High SchoolGrades 9-120.8 mi

Construction

Materials

  • Roof: Flat
  • Construction materials: Masonry - Brick,Brick Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Slab

Bedrooms & Bathrooms

  • Bathrooms: 2
  • 1/2 bathrooms: 2

Features

  • Flooring: Carpet,Laminate,Vinyl
  • Fireplace features: Wood Burning Stove
  • Finished area above ground: 8,280

Heating & Cooling

  • Heating features: Wood,Other
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 8,280

Property

Accessibility

  • Accessibility features: Handicap

Details

  • Lease amount: 0

Features

  • Stories: 2

Lot

  • Lot size: 0.50 Acres

Parking

  • Parking features: Garage
  • Has garage: 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

  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Hail
Lightning
Strong Wind
Tornado
Winter Weather
Cold Wave
Inland Flooding
Ice Storm

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 $1,163$13,956
Home Insurance *$173$2,076
Property Taxes $111$1,332
Electricity $154$1,850
Total$1,601$19,212
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,891/yr
40% on housing$48,030/yr
45% on housing$42,693/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: 2.5%
2.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -4.2%
-4.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 42539$125
Larue County$124

vs Homes Sold Last Month

Median $/sqft

ZIP 42539
Larue County$141

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
2026-04-27Listed for sale$230,000

For Sale by Agent

AgentJustina Rector
BrokerageUnited Country Re/Cntry Living Spec Inc

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