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105 1st St #107, Horse Cave, KY, 42749

2beds
1baths
1,289sqft
$329,000
$255price/sqft
$2,260/moest. monthly cost
$90,400/yrincome needed

About This Home

Investor opportunity! Investors dream with endless potential! This unique property features 2 homes and one manufactured home, all situated on a spacious 1.62 acre lot that spans an entire block. With plenty of room to expand, build additional homes, or create your next investment project, the possibilities are endless. Whether your looing for rental income, multi family living, or future development opportunities, this property offers incredible potential in a convenient setting.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

4/10
Caverna Elementary SchoolGrades PK-53.3 mi
4/10
Caverna Middle SchoolGrades 6-82.8 mi
3/10
Caverna High SchoolGrades 9-122.8 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Residential Farm

Interior

Appliances

  • Appliances included: Microwave,Range/Oven,Refrigerator,Heat Pump
  • Laundry features: Laundry Room

Basement

  • Basement: Cellar

Bathroom

  • Features: Tub/Shower Combo

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Ceiling Fan(s),Closet Light(s),Walls (Dry Wall),Formal Dining Room
  • Door features: Insulated Doors
  • Window features: Blinds
  • Flooring: Carpet,Laminate
  • Fireplace features: None

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Central Electric

Interior Area

  • Total structure area: 1,289
  • Total interior livable area: 1,289 sqft

Kitchen

  • Features: Eat-in Kitchen
  • Level: Main

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: 1st Floor Bathroom,Level Lot

Details

  • Parcel number: 403001200100

Features

  • Patio & porch: Covered Front Porch,Covered Patio
  • Exterior features: Garden,Mature Trees,Outdoor Lighting
  • Fencing: None
  • Waterbody name: None

Lot

  • Lot size: 1.62 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 1
  • Parking features: Detached Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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
    HailVery High
  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

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

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 $1,663$19,956
Home Insurance *$257$3,084
Property Taxes $186$2,232
Electricity $154$1,850
Total$2,260$27,120
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,485/yr
40% on housing$67,800/yr
45% on housing$60,266/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: 7.5%
7.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$255This listing

vs Other Active Listings

Avg $/sqft

ZIP 42749$93
Hart County$144

vs Homes Sold Last Month

Median $/sqft

ZIP 42749
Hart County$138

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
2026-07-17Price change$329,000
2026-06-22Price change$339,900
2026-05-20Listed for sale$349,900

For Sale by Agent

AgentMisty Ballard
BrokerageKeller Williams First Choice R

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