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128 E Oak St APT 2, Louisville, KY, 40203

1beds
1baths
532sqft
$110,000
$207price/sqft
$910/moest. monthly cost
$36,400/yrincome needed

About This Home

Renovated and move-in ready, this updated condo at Victoria Place offers the perfect blend of historic charm and modern convenience in the heart of Old Louisville. The updated kitchen features modern cabinetry, updated appliances, and a functional layout ideal for everyday living. The 1-bedroom, 1-bath floor plan offers contemporary finishes, and the convenience of in-unit laundry with a brand-new washer and dryer. Enjoy easy, low-maintenance living with affordable monthly maintenance fees that include water, sewer, and trash. Off-street parking adds even more convenience in this prime location, just minutes from local dining, shopping, and downtown amenities. Not FHA or VA approved.

Getting Around

82
WalkingVery Walkable
0
TransitVery Limited Transit
91
BikeBiker's Paradise

Schools

9/10
5/10
Meyzeek Middle SchoolGrades 6-80.6 mi
1/10
Iroquois High SchoolGrades 9-124.4 mi

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Shingle
  • Construction materials: Wood Frame,Brick

Type & Style

  • Home type: Condo
  • Architectural style: Other
  • Property subType: Condominium

Interior

Appliances

  • Laundry features: In Unit

Basement

  • Basement: Cellar

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Dining Area

  • Level: First

Features

  • Finished area below ground: 0
  • Finished area above ground: 532

Full Bathroom

  • Level: Second

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 532
  • Total interior livable area: 532 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 08032N01280002

Features

  • Stories: 1
  • Fencing: None

Lot

  • Features: Covt/Restr,Sidewalk,Level

Parking

  • Parking features: Off Street
  • Has uncovered spaces: 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 WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Heat Wave
Inland Flooding
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 $556$6,672
Home Insurance *$123$1,476
Property Taxes $77$924
Electricity $154$1,850
Total$910$10,920
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,200/yr
40% on housing$27,300/yr
45% on housing$24,266/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: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$207This listing

vs Other Active Listings

Avg $/sqft

ZIP 40203$101
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40203$139
Jefferson County$160

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
2026-05-08Listed for sale$114,000

For Sale by Agent

AgentBryce Cariel
BrokerageCaperton Realty

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