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2813 Rio Rita Ave, Louisville, KY, 40220

3beds
2baths
2,233sqft
$315,000
$141price/sqft
$2,266/moest. monthly cost
$90,640/yrincome needed

About This Home

2813 Rio Rita Ave has been quietly doing its job in Louisville's Bon Air neighborhood since 1955, and the inside just caught up to the address. New windows and doors, a new furnace and AC system, and new flooring throughout mean the next owner starts with a clean slate, not a punch list. The kitchen has been rebuilt around new cabinets, granite countertops, and a full suite of new appliances, all opening to a dining room built for everyday meals and holiday overflow alike. The primary bedroom holds its own on the first floor, a detail that matters more every year as one-level living becomes harder to find at this price point. Two additional bedrooms and a fully renovated full bath round out the main level, giving a growing family or a downsizing buyer real flexibility without a single dated fixture in sight. Downstairs, the finished basement changes the math on this home. A family room and a separate exercise room give you two more usable spaces without adding a single square foot to the footprint, and the second full bathroom down here has been renovated to match. The unfinished portion of the basement, 576 square feet, handles laundry and storage without eating into the living space upstairs. Five closets on the main level alone mean storage is not an afterthought here. Outside, a deck off the back overlooks a fully fenced yard on 0.22 acres, room enough for a garden, a dog, or a weekend cookout. A detached two-car garage sits off the driveway. This is Bon Air and Hikes Point territory, tucked between Bardstown Road's restaurants and shops and the Watterson Expressway for a quick run anywhere in Louisville. Farnsley Park and the Bon Air branch of the Louisville Free Public Library sit inside the neighborhood. The home is zoned to Jefferson County Public Schools. Active listing. Schedule your showing this week.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

3/10
3/10
1/10
Seneca High SchoolGrades 9-120.2 mi

Construction

Condition

  • Year built: 1955

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Finished

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Exercise Room

  • Level: Basement

Family Room

  • Level: Basement

Features

  • Finished area below ground: 828
  • Finished area above ground: 1,405

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: 1,405
  • Total interior livable area: 2,233 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 082Y00600000

Features

  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: None
  • Fencing: Privacy,Wood

Lot

  • Lot size: 9,583 sqft
  • Features: Sidewalk

Parking

  • Total spaces: 2
  • Parking features: Detached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Inland Flooding
Cold Wave
Earthquake
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 $1,592$19,104
Home Insurance *$163$1,956
Property Taxes $335$4,020
Electricity $176$2,116
Total$2,266$27,192
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,691/yr
40% on housing$67,980/yr
45% on housing$60,426/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

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 40220$141
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40220$157
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$310,000
2026-07-28Listed for sale$315,000
2026-07-22Contingent$315,000
2026-07-20Listed for sale$315,000
2026-03-17Sold$182,500
2026-03-09Pending sale$179,900
2026-03-05Listed for sale$179,900
2009-07-09Sold$124,000

For Sale by Agent

AgentMissy E Payne
Brokeragesimpler.realestate

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