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3123 Sunny Ln, Louisville, KY, 40205

2beds
3baths
2,053sqft
$365,000
$178price/sqft
$2,505/moest. monthly cost
$100,200/yrincome needed

About This Home

Welcome to this beautifully maintained ranch-style home in an incredible Upper Highlands location, just under a mile from the Gardiner Lane Shopping Center and everything Bardstown Road has to offer! This charming home features 2 bedrooms, 3 full bathrooms, and a finished basement with a versatile third room perfect for a home office, guest suite, or additional sleeping quarters. From the moment you arrive, you'll notice the fantastic curb appeal with painted brick, lush professional landscaping, and meticulous attention to detail throughout. Inside, original hardwood floors, fresh updated paint, and an updated kitchen create a warm and inviting atmosphere, while the upgraded lighting package and large picture windows fill the home with an abundance of natural light. The spacious primary suite is a rare find for the area, offering its own private office or sitting area, a large walk-in closet, and a full en suite bath. The cozy living room is anchored by a fireplace and oversized picture window, making it the perfect place to relax or gather. The finished basement adds incredible flexibility with newer carpet, a brick wall fireplace, a full bathroom, and plenty of unfinished storage space. Step outside and enjoy your own private backyard retreat featuring both a covered patio and an uncovered patio with a sitting wall, ideal for entertaining family and friends. The fully fenced yard is beautifully landscaped and offers both privacy and serenity. Additional highlights include insulated fiberglass windows and an oversized attached garage with extra depth and high ceilings, providing excellent storage and workspace. Conveniently located near parks, interstates, shopping, dining, nightlife, and all the amenities of the Highlands, this cozy home offers the perfect blend of charm, functionality, and location.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

8/10
5/10
Highland Middle SchoolGrades 6-81.8 mi
8/10
Atherton High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1962

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Brick

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Finished

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Dining Area

  • Level: First

Family Room

  • Level: Basement

Features

  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 702
  • Finished area above ground: 1,351

Full Bathroom

  • Level: First

Full Bathroom

  • Level: Basement

Heating & Cooling

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

Interior Area

  • Total structure area: 1,351
  • Total interior livable area: 2,053 sqft

Kitchen

  • Level: First

Laundry

  • Level: Basement

Living Room

  • Level: First

Other

  • Level: Basement

Primary Bathroom

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 13087H00360000

Features

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

Lot

  • Lot size: 9,147 sqft
  • Features: See Remarks,Level
  • Lot size dimensions: 75 x 120

Parking

  • Total spaces: 1
  • Parking features: Attached,Entry Front,See Remarks,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

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

How This Home’s Risks Compare

Inland Flooding
Tornado
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 $1,845$22,140
Home Insurance *$189$2,268
Property Taxes $309$3,708
Electricity $162$1,945
Total$2,505$30,060
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,885/yr
40% on housing$75,150/yr
45% on housing$66,800/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

$178This listing

vs Other Active Listings

Avg $/sqft

ZIP 40205$210
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40205$187
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
2026-06-24Price change$365,000
2026-06-19Listed for sale$385,000
2026-02-25Listing removed--
2025-11-25Listed for sale$385,000
2019-03-15Sold$212,500
2019-02-11Pending sale$219,000
2019-02-08Price change$219,000
2019-01-26Price change$224,500
2018-10-10Price change$234,900
2018-09-19Price change$239,500
2018-08-06Price change$249,000
2018-08-03Price change$250,000
2018-07-23Price change$254,000
2018-05-16Listed for sale$259,000
2014-06-27Sold$178,500
2014-05-26Listed for sale$179,900
2013-11-07Sold$160,000

For Sale by Agent

AgentShaun S Wallace
Brokerage1 Percent Lists Purple Door

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