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209 Fairfax Ave APT 1, Saint Matthews, KY, 40207

4beds
3baths
2,318sqft
$375,000
$162price/sqft
$2,554/moest. monthly cost
$102,160/yrincome needed

About This Home

This stand-alone, two-story condominium offers the ideal blend of low-maintenance living and the privacy of a single-family home. Perfectly positioned in the heart of St. Matthews—just steps from City Hall, the St. Matthews Police Station and the public library—this spacious 4-bedroom, 3 full bath residence combines classic character with thoughtful updates. A gracious covered front porch with swing welcomes you inside, where hardwood floors, bay windows, crown molding, custom baseboards, fresh paint, new carpet, and custom roller shades create a warm and polished interior. The traditional floor plan features a light-filled living room with fireplace and a generously sized dining room flanking the central entry hall—ideal for both everyday living and entertaining. The eat-in kitchen offers abundant white cabinetry, expansive countertop workspace, white appliances, ceramic tile backsplash, dual-basin sink, built-in tabletop seating, and access to a private deck—perfect for morning coffee or evening relaxation. Originally designed as a den, the first-floor primary suite has been thoughtfully reimagined to provide exceptional comfort and accessibility. Highlights include coffered ceiling, sliding-door closet, built-in shelving, and a fully remodeled adjacent bath featuring a beautifully tiled step-in shower with safety bars, pedestal sink with granite top, ample storage, and stylish barn door. Upstairs, you'll find three additional bedrooms and two full baths, including a second oversized primary suite with walk-in closet, dual sink areas, and a private shower/tub enclosure with separate commode area. Two additional bedrooms offer generous closet space and share a hall bath with vanity, shower/tub combination, and linen closet. The partially finished basement expands the living space with a versatile bonus room, abundant unfinished storage with shelving, laundry hook-ups, and exterior access. Easy parking with one reserved parking space adjacent to the unit. The owner-occupied condo association fee covers water, sewer, trash and recycling, groundskeeping, exterior maintenance, snow removal, and the master insurance policy—delivering true peace of mind. This rare offering combines space, flexibility, and an unbeatable St. Matthews location in a low-maintenance package that lives like a single-family home. For buyer assurance seller is offering a 1-year limited home warranty.

Getting Around

85
WalkingVery Walkable
0
TransitVery Limited Transit
59
BikeBikeable

Schools

4/10
4/10
Westport Middle SchoolGrades 6-83.2 mi
1/10
Waggener High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1978

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Wood Frame,Brick

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Basement

  • Has basement: Yes
  • Basement: Walk-Up Access,Partially Finished

Bedroom

  • Level: First
  • Area: 138.03
  • Dimensions: 12.90 x 10.70

Bedroom

  • Level: Second
  • Area: 208
  • Dimensions: 16.00 x 13.00

Bedroom

  • Level: Second
  • Area: 172.8
  • Dimensions: 10.80 x 16.00

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First
  • Area: 132
  • Dimensions: 12.00 x 11.00

Family Room

  • Level: Basement
  • Area: 242.49
  • Dimensions: 17.70 x 13.70

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 251
  • Finished area above ground: 2,067

Full Bathroom

  • Level: First
  • Area: 47.45
  • Dimensions: 6.50 x 7.30

Full Bathroom

  • Level: Second
  • Area: 53.96
  • Dimensions: 7.10 x 7.60

Heating & Cooling

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

Interior Area

  • Total structure area: 2,067
  • Total interior livable area: 2,318 sqft

Kitchen

  • Level: First
  • Area: 144.1
  • Dimensions: 11.00 x 13.10

Laundry

  • Level: Basement
  • Area: 500.64
  • Dimensions: 14.90 x 33.60

Living Room

  • Level: First
  • Area: 243.81
  • Dimensions: 12.90 x 18.90

Primary Bathroom

  • Level: Second
  • Area: 37.24
  • Dimensions: 7.60 x 4.90

Primary Bedroom

  • Level: Second
  • Area: 342.72
  • Dimensions: 25.20 x 13.60

Property

Details

  • Parcel number: 22198002090001

Features

  • Stories: 2
  • Patio & porch: Patio,Porch
  • Fencing: None

Lot

  • Features: Level

Parking

  • Parking features: Off Street,Driveway
  • 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
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Tornado
Earthquake
Heat Wave
Inland Flooding

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 $1,896$22,752
Home Insurance *$163$1,956
Property Taxes $312$3,744
Electricity $183$2,196
Total$2,554$30,648
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,565/yr
40% on housing$76,620/yr
45% on housing$68,106/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

$162This listing

vs Other Active Listings

Avg $/sqft

ZIP 40207$199
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40207$204
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
2026-03-05Listed for sale$394,900
2025-12-22Listing removed$400,000
2025-11-12Listed for sale$400,000
2004-08-20Sold$145,000

For Sale by Agent

AgentCarl Horton
BrokerageSemonin Realtors

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