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395 W Central Ave, Ashland, KY, 41101

2beds
3baths
2,600sqft
$225,000
$87price/sqft
$1,678/moest. monthly cost
$67,120/yrincome needed

About This Home

(Open House for Sunday June 21 is cancelled) 395 W. Central Ave. in Westwood is the kind of property you do not come across often. Sitting on approximately 0.47 acres M/L across two lots, it offers space, privacy, and a setting that feels more like a retreat than a typical in-town home. The exterior brings strong cabin-inspired character with wood siding and a wraparound porch that sets the tone the moment you arrive. Inside, the main level features soaring vaulted ceilings and is finished with rich floor-to-ceiling wood detail, creating a warm and cohesive design throughout. The living room flows seamlessly into the kitchen and dining area, making the space ideal for both everyday living and entertaining. A wood pellet stove adds comfort and charm. The primary suite is located on the main level and includes a walk-in closet, private bath, and direct access to the deck through double doors. An additional bedroom and full bath complete the main level. The lower level expands the living space significantly, offering 3 additional rooms that could be utilized as bedrooms, 1 full bath, a large laundry room, and a spacious family room. Whether you need room for guests, a home office setup, or flexible living space, this layout delivers. Outside, the property continues to impress with a 2-car carport, multiple storage sheds, and additional storage underneath the home. The double lot provides added breathing room that is hard to find in this location. If you are looking for something with character, space, and a completely different feel than the average home, this one checks all the boxes. With the right vision and a little love, this home has the potential to be a true showplace. This home is being sold “AS IS.”

Getting Around

36
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

3/10
2/10
Fairview High SchoolGrades 7-120.4 mi

Construction

Condition

  • Property condition: 11 to 20 Years
  • Year built: 2006

Materials

  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Electric Range,Refrigerator,Electric Water Heater

Basement

  • Area: 1200

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Fireplace features: Two Or More,Wood Burning Stove
  • Fireplace: Yes
  • Finished area below ground: 1,200
  • Finished area above ground: 1,400

Heating & Cooling

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

Interior Area

  • Total structure area: 1,400
  • Total interior livable area: 2,600 sqft

Property

Features

  • Patio & porch: Deck,Patio,Porch
  • Topography of land: Level,Rolling

Lot

  • Lot size: 0.47 Acres

Parking

  • Total spaces: 2
  • Parking features: Carport
  • Covered spaces: 2
  • Carport: 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

  • Heat Wave
    Heat WaveVery High
  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

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 $1,137$13,644
Home Insurance *$188$2,256
Property Taxes $148$1,776
Electricity $205$2,463
Total$1,678$20,136
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,531/yr
40% on housing$50,340/yr
45% on housing$44,746/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: 6.2%
6.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -9.1%
-9.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$87This listing

vs Other Active Listings

Avg $/sqft

ZIP 41101$99
Boyd County$95

vs Homes Sold Last Month

Median $/sqft

ZIP 41101$110
Boyd County$104

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)

No zestimate history available

Price History

DateEventPrice
2026-06-02Listed for sale$225,000
2026-04-30Contingent$225,000
2026-04-17Listed for sale$225,000

For Sale by Agent

AgentAMBER YOUNG
BrokerageRE/MAX Realty Connection, LLC

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