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10123 Spring Gate Dr, Louisville, KY, 40241

4beds
4baths
3,514sqft
$465,000
$132price/sqft
$3,278/moest. monthly cost
$131,120/yrincome needed

About This Home

Beautifully updated 4-bedroom, 3.5-bath residence offering the perfect blend of style, functionality, and convenience in a highly desirable location. Thoughtfully renovated throughout, this move-in-ready home features newer hardwood flooring, newer HVAC system, recent interior paint, a bright, modern aesthetic, and spacious living areas designed for today's lifestyle. Recently finished basement provides exceptional versatility, ideal for a recreation room, media space, home office, fitness area, or guest accommodations. Step outside to a generously sized backyard, perfect for entertaining, outdoor activities, or simply relaxing. A spacious 2-car garage completes this exceptional property. Conveniently located just minutes from shopping, dining, parks, schools, and major interstates, this home offers comfort, quality, and an outstanding location. Schedule your private showing today.

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

8/10
Norton Commons ElementaryGrades PK-51.1 mi
4/10
Westport Middle SchoolGrades 6-83.3 mi
5/10
Eastern High SchoolGrades 9-125.2 mi

Construction

Condition

  • Year built: 2001

Materials

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

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,000
  • Finished area above ground: 2,514

Full Bathroom

  • Level: Second

Full Bathroom

  • Level: Second

Half Bathroom

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 2,514
  • Total interior livable area: 3,514 sqft

Kitchen

  • Level: First

Laundry

  • Level: Second

Living Room

  • Level: First

Property

Details

  • Parcel number: 334501810000

Features

  • Stories: 2
  • Patio & porch: Deck
  • Fencing: None

Lot

  • Lot size: 1 Acres
  • Lot size dimensions: < 1/4 ACRE

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $2,351$28,212
Home Insurance *$215$2,580
Property Taxes $435$5,220
Electricity $277$3,330
Total$3,278$39,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,388/yr
40% on housing$98,340/yr
45% on housing$87,413/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

$132This listing

vs Other Active Listings

Avg $/sqft

ZIP 40241$165
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40241$170
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
2026-08-14Price change$450,000
2026-07-05Listed for sale$465,000
2026-07-04Listing removed$3,200
2026-06-06Listed for rent$3,200
2024-05-07Listing removed--
2024-04-03Listed for rent$3,000
2010-03-10Sold$248,000
2007-02-23Sold$243,000

For Sale by Agent

AgentSenahid Bektas
BrokerageKey Point Realty

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