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4105 Highway 41 N #A, Henderson, KY, 42420

3beds
2baths
2,150sqft
$123,456
$57price/sqft
$984/moest. monthly cost
$39,360/yrincome needed

About This Home

Private, country living with this 3-bedroom home situated on a 1.11+/- acre lot surrounded by farmland. This peaceful property offers over 2,100 square feet of living space, 3 bedrooms, 1 full bathroom, kitchen, dining room, living room with wood-burning stove and a huge, attached shop area with a half bath and an attached 8'x10' storage shed. Outside, you'll find a covered front porch overlooking the fenced yard, a rear patio and a large dog kennel area

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

9/10
Cairo Elementary SchoolGrades K-54.1 mi
9/10

Construction

Condition

  • Year built: 1947

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Finished area above ground: 2,150

Heating

  • Heating features: Has Heating (Unspecified Type)

Interior Area

  • Total structure area: 2,150
  • Total interior livable area: 2,150 sqft

Property

Details

  • Lease amount: 0
  • Special condition: Auction

Features

  • Stories: 1

Lot

  • Lot size: 1.11 Acres

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

  • Strong Wind
    Strong WindVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $624$7,488
Home Insurance *$103$1,236
Property Taxes $88$1,056
Electricity $169$2,037
Total$984$11,808
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$33,737/yr
40% on housing$29,520/yr
45% on housing$26,240/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$57This listing

vs Other Active Listings

Avg $/sqft

ZIP 42420$114
Henderson County$116

vs Homes Sold Last Month

Median $/sqft

ZIP 42420$129
Henderson County$131

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

No price history available

Unknown Listed By

AgentKevin Herron
BrokerageHerron Auction & Realty

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