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3012 Montana Ave, Louisville, KY, 40208

3beds
1baths
1,152sqft
$179,000
$155price/sqft
$1,310/moest. monthly cost
$52,400/yrincome needed

About This Home

Completely remodeled and move-in ready, this charming one-story shotgun-style home offers a blend of modern updates and timeless character in a convenient location near Churchill Downs and the University of Louisville. The inviting living room is highlighted by soaring vaulted ceilings with an exposed beam and a rustic chandelier, creating a warm and distinctive gathering space. The eat-in kitchen features granite countertops, matching black appliances including a gas range, refrigerator, and dishwasher, along with a brushed bronze light fixture that adds a stylish finishing touch. A conveniently located laundry closet is tucked within the kitchen for added functionality. The eat-in kitchen features granite countertops, matching black appliances including a gas range, refrigerator, and dishwasher, along with a brushed bronze light fixture that adds a stylish finishing touch. A conveniently located laundry closet is tucked within the kitchen for added functionality. Extensive renovations provide peace of mind, including luxury vinyl plank flooring throughout, recessed lighting, ceiling fans, fresh interior paint, new windows, a new roof, new HVAC system, and a new water heater. Whether you're searching for your first home, looking to downsize, or seeking an investment opportunity, this thoughtfully renovated property offers exceptional value in a prime location with easy access to parks, restaurants, shopping, major expressways, and all that Louisville has to offer!

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
74
BikeVery Bikeable

Schools

3/10
3/10
Marion C. Moore SchoolGrades 6-128.8 mi

Construction

Condition

  • Year built: 1910

Materials

  • Foundation: Crawl Space,Concrete Blk
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Other

Type & Style

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

Interior

Basement

  • Basement: None

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,152

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,152
  • Total interior livable area: 1,152 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 063E00590000

Features

  • Stories: 1
  • Patio & porch: Porch
  • Fencing: Full,Wood

Lot

  • Lot size: 2,178 sqft
  • Features: Sidewalk,Level

Parking

  • Parking features: On 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

  • Tornado
    TornadoVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Inland Flooding
Cold Wave
Heat Wave
Winter Weather

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 $905$10,860
Home Insurance *$250$3,000
Property Taxes $1$12
Electricity $154$1,850
Total$1,310$15,720
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,914/yr
40% on housing$39,300/yr
45% on housing$34,933/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

$155This listing

vs Other Active Listings

Avg $/sqft

ZIP 40208$101
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40208$120
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)

Price History

DateEventPrice
2026-08-07Price change$169,000
2026-07-22Listed for sale$179,000
2026-05-29Listing removed$1,650
2026-05-11Listed for rent$1,650
2026-01-23Sold$39,000
2025-10-22Pending sale$60,000
2025-10-16Listed for sale$60,000
2025-10-08Listing removed$60,000
2025-09-22Pending sale$60,000
2025-09-05Price change$60,000
2025-08-07Listed for sale$70,000

For Sale by Agent

AgentEllen Masterson
BrokerageLenihan Commercial Properties

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