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1815 Owen St, Louisville, KY, 40203

2beds
1baths
1,500sqft
$120,000
$80price/sqft
$1,026/moest. monthly cost
$41,040/yrincome needed

About This Home

Experience the ultimate in city living with this meticulously updated, 2-bedroom, 1 baththroom gem. Just minutes from downtown, perfect for entertaining. The second bedroom is ideal for a home office or guests. Enjoy the convenience of in-unit laundry, and reserved parking. Don't miss this rare opportunity to own a stylish, turn-key property in a prime location.

Getting Around

69
WalkingSomewhat Walkable
0
TransitVery Limited Transit
68
BikeBikeable

Schools

1/10
Byck Elementary SchoolGrades K-50.8 mi
1/10
4/10
Westport Middle SchoolGrades 6-89.8 mi

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Shingle
  • Construction materials: Aluminum Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: Unfinished,Cellar

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 750
  • Finished area above ground: 750

Full Bathroom

  • Level: First

Heating

  • Heating features: Electric,Natural Gas,Heat Pump

Interior Area

  • Total structure area: 750
  • Total interior livable area: 1,500 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 02015F01900000

Features

  • Stories: 1
  • Fencing: Chain Link

Lot

  • Lot size: 2,178 sqft
  • Features: Sidewalk
  • Lot size dimensions: 25 x 80

Parking

  • Parking features: Detached,Entry Rear

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
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Inland Flooding
Tornado
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 $606$7,272
Home Insurance *$134$1,608
Property Taxes $132$1,584
Electricity $154$1,850
Total$1,026$12,312
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,177/yr
40% on housing$30,780/yr
45% on housing$27,360/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

$80This listing

vs Other Active Listings

Avg $/sqft

ZIP 40203$101
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40203$139
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
2026-02-11Listed for sale$135,000
2026-01-17Listing removed$137,000
2025-10-25Listed for sale$137,000
2025-07-19Listing removed$1,100
2025-06-09Listed for rent$1,100
2025-06-09Listing removed$130,000
2025-01-07Listed for sale$130,000
2024-12-19Listing removed$1,100
2024-11-10Listed for rent$1,100
2024-10-21Listing removed$130,000
2024-10-03Listed for sale$130,000
2024-07-12Sold$37,000
2024-06-20Pending sale$45,000
2024-06-14Price change$45,000
2024-04-26Listed for sale$49,000

For Sale by Agent

AgentAnna Johnson
BrokerageKeller Williams Louisville

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