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1821 Stevens Ave, Louisville, KY, 40205

3beds
3baths
2,901sqft
$459,900
$159price/sqft
$3,281/moest. monthly cost
$131,240/yrincome needed

About This Home

Beautiful Highlands home full of charm, character, and flexible living space! This 3 bedroom, 2 full and 1 half bath home offers the perfect blend of historic detail and everyday functionality. Gorgeous woodwork, inviting living and entertaining spaces, and abundant storage can be found throughout. The first floor includes a bedroom currently used as an office, offering great flexibility depending on your needs. The spacious kitchen opens to a lovely four season sunroom, creating the perfect space to relax or entertain. Upstairs, you'll find two bedrooms with a half bath. This layout can function as two bedroom (one is a walk through bedroom) or as a primary bedroom with adjoining sitting room or office. The basement adds even more versatility with a nicely sized den currently being used as a guest room, plus a full bath, workshop area, laundry, and an oversized closet. Enjoy peaceful mornings on the welcoming front porch or dine outdoors on the backyard deck overlooking the beautifully landscaped yard. A one car garage plus an additional one space carport accessible from the alley complete this fabulous Highlands property.

Getting Around

92
WalkingWalker's Paradise
0
TransitVery Limited Transit
68
BikeBikeable

Schools

8/10
Bloom Elementary SchoolGrades K-50.7 mi
5/10
Highland Middle SchoolGrades 6-80.5 mi
8/10
Atherton High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 1913

Materials

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

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Den

  • Level: Basement

Dining Room

  • Level: First

Features

  • Finished area below ground: 991
  • Finished area above ground: 1,910

Foyer

  • Level: First

Full Bathroom

  • Level: First

Full Bathroom

  • Level: Basement

Half Bathroom

  • Level: Second

Heating & Cooling

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

Interior Area

  • Total structure area: 1,910
  • Total interior livable area: 2,901 sqft

Kitchen

  • Level: First

Laundry

  • Level: Basement

Living Room

  • Level: First

Sun Room

  • Level: First

Property

Details

  • Parcel number: 10076F00910000

Features

  • Stories: 2
  • Patio & porch: Deck,Porch
  • Fencing: Full

Lot

  • Lot size: 4,791 sqft
  • Features: Sidewalk,Level
  • Lot size dimensions: 32 x 150

Parking

  • Total spaces: 3
  • Parking features: On Street,Off Street,Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 1

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
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Heat Wave

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 $2,325$27,900
Home Insurance *$238$2,856
Property Taxes $489$5,868
Electricity $229$2,749
Total$3,281$39,372
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,491/yr
40% on housing$98,430/yr
45% on housing$87,493/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

$159This listing

vs Other Active Listings

Avg $/sqft

ZIP 40205$211
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
2026-07-27Price change$459,900
2026-06-28Listed for sale$470,000
2024-08-01Sold$426,250
2024-06-19Pending sale$435,000
2024-06-14Price change$435,000
2024-06-05Price change$443,000
2024-05-22Listed for sale$445,000

For Sale by Agent

AgentTeresa Wallace
BrokerageRE/MAX Premier Properties

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