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4123 Churchman Ave, Louisville, KY, 40215

1beds
1baths
625sqft
$92,500
$148price/sqft
$799/moest. monthly cost
$31,960/yrincome needed

About This Home

This charming 1940 home offers one conforming bedroom plus a non-conforming bedroom/flex space, providing versatility for a home office, hobby room, guest space, or other uses. The additional room includes a closet and windows and is currently accessed through the primary bedroom. A future owner may wish to explore creating a direct doorway between the flex room and kitchen, which could improve privacy and functionality. Feasibility should be confirmed by a qualified contractor or structural professional. Inside, you'll find a spacious living room, an eat-in kitchen, central air, and one full bath. The covered front porch enjoys an open view with no homes directly across the street, creating a comfortable place to relax outdoors. The backyard offers mature shade trees, space for gardening, pets, or entertaining, along with a storage shed for tools and outdoor equipment. Whether you're a first-time buyer, investor, or someone looking for an affordable home with the opportunity to personalize over time, this property offers solid value and potential in a convenient Louisville location. Tenant occupied. Please allow a minimum of 48 hours' notice for all showing requests. Buyers touring the property with the listing agent are not required to sign a Buyer Representation Agreement.

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

3/10
1/10
Iroquois High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Crawl Space
  • Roof: Shingle
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: None

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 625

Full Bathroom

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 625
  • Total interior livable area: 625 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Other

  • Level: First

Property

Details

  • Parcel number: 11066F00310000

Features

  • Stories: 1
  • Patio & porch: Porch
  • Exterior features: See Remarks
  • Fencing: Chain Link,Farm

Lot

  • Lot size: 4,356 sqft
  • Features: Level
  • Lot size dimensions: 35.5 x 125

Parking

  • Parking features: Off Street,See Remarks
  • 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

  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Earthquake
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 $467$5,604
Home Insurance *$80$960
Property Taxes $98$1,176
Electricity $154$1,850
Total$799$9,588
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$27,394/yr
40% on housing$23,970/yr
45% on housing$21,306/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

$148This listing

vs Other Active Listings

Avg $/sqft

ZIP 40215$80
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40215$136
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
2026-08-14Price change$89,900
2026-07-16Listed for sale$92,500

For Sale by Agent

AgentMartin T Crane
BrokerageCrane REALTORS, LLC

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