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108 Caroline Dr, Ashland, KY, 41101

4beds
2baths
2,224sqft
$219,900
$99price/sqft
$1,614/moest. monthly cost
$64,560/yrincome needed

About This Home

Just on the outskirts of Bellefonte, this beautifully updated 4-bedroom, 2-bath home offers the perfect combination of character, convenience, and space. A large bay window fills the open living and dining area with natural light, highlighting the original refinished hardwood floors and creating a warm, welcoming atmosphere. The updated kitchen and thoughtful improvements throughout make this home move-in ready while preserving its timeless charm. The walk-out basement provides additional living space and flexibility for a family room, recreation area, home office, or guest accommodations. With four bedrooms and two full baths, there's plenty of room for family, guests, and everyday living Conveniently located near Ashland, Russell, Flatwoods, Camp Landing, KDMC, and US 23, this home offers easy access to work, shopping, dining, and entertainment while maintaining a peaceful setting. Seller states that students are eligible for enrollment to Fairview Independent and Russell Independent schools offering added convenience for families. If you've been searching for a home with updates throughout, original character, abundant natural light, and a great location, this one deserves a closer look.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

3/10
2/10
Fairview High SchoolGrades 7-120.9 mi

Construction

Condition

  • Property condition: 50 or more Years

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Brick,Brick/Siding,Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Fireplace features: Gas Log,Two Or More
  • Fireplace: Yes
  • Finished area below ground: 1,112
  • Finished area above ground: 1,112

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,224 sqft

Property

Features

  • Patio & porch: Patio,Porch
  • Topography of land: Level,Rolling
  • Residential vegetation: Heavily Wooded

Lot

  • Lot size: 0.66 Acres
  • Features: Cleared

Parking

  • Total spaces: 1
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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

  • 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 $1,111$13,332
Home Insurance *$184$2,208
Property Taxes $144$1,728
Electricity $175$2,107
Total$1,614$19,368
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,337/yr
40% on housing$48,420/yr
45% on housing$43,040/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

$99This listing

vs Other Active Listings

Avg $/sqft

ZIP 41101$98
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)

Price History

DateEventPrice
2026-08-18Price change$209,900
2026-07-27Price change$219,900
2026-07-16Price change$224,900
2026-06-21Listed for sale$229,900
2018-12-13Sold$110,000

For Sale by Agent

AgentAshley Marcum
BrokerageRE/MAX Realty Connection, LLC

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