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2836 Garfield Ave, Louisville, KY, 40212

2beds
2baths
1,021sqft
$97,400
$95price/sqft
$932/moest. monthly cost
$37,280/yrincome needed

About This Home

Opportunity meets charm in this updated 2 bedroom, 2 full bath home offering style, function, & value at an affordable price point. From the covered front porch to the light filled interior, this home has been refreshed with today's buyer in mind. You'll love the airy paint colors & durable laminate flooring that create a clean, cohesive feel throughout. The eat in kitchen features white shaker style cabinetry, a pot filler, & all appliances remaining, making it move in ready from day one. The primary suite offers a rare find at this price point with a private bath that includes both a soaking tub & separate tiled shower, creating a comfortable retreat. Step outside to a fully fenced backyard with a private, courtyard feel, perfect for relaxing, pets, or entertaining. A detached 2 car garage with alley access adds convenience & additional storage. Whether you're a first time buyer, downsizing, or looking to add to your investment portfolio, this home offers a strong combination of updates, space, & value.

Getting Around

57
WalkingSomewhat Walkable
0
TransitVery Limited Transit
72
BikeVery Bikeable

Schools

2/10
Atkinson AcademyGrades K-50.2 mi
1/10
4/10
Westport Middle SchoolGrades 6-810.7 mi

Construction

Condition

  • Year built: 1910

Materials

  • Foundation: Concrete Blk
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Walk-Up Access,Unfinished

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Dining Area

  • Level: First

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,021

Full Bathroom

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 1,021
  • Total interior livable area: 1,021 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bathroom

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 003A00910000

Features

  • Stories: 1
  • Patio & porch: Patio,Porch
  • Fencing: Full,Chain Link

Lot

  • Lot size: 0.89 Acres
  • Features: Sidewalk,Cleared

Parking

  • Total spaces: 2
  • Parking features: On Street,Detached,Entry Rear
  • 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

  • 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 $492$5,904
Home Insurance *$179$2,148
Property Taxes $107$1,284
Electricity $154$1,850
Total$932$11,184
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,954/yr
40% on housing$27,960/yr
45% on housing$24,853/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

$95This listing

vs Other Active Listings

Avg $/sqft

ZIP 40212$61
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40212$66
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
2026-05-05Listed for sale$105,500
2026-04-17Contingent$105,500
2026-04-14Listed for sale$105,500
2026-04-12Listing removed$103,899
2026-04-07Price change$103,899
2026-03-28Listed for sale$103,900
2026-03-24Listing removed$109,899
2026-02-07Pending sale$109,899
2026-01-30Price change$109,899
2026-01-19Price change$109,900
2026-01-12Price change$113,899
2025-12-30Price change$113,900
2025-12-15Price change$118,895
2025-12-08Price change$118,897
2025-12-02Price change$118,898
2025-11-18Price change$118,899
2025-10-30Price change$118,900
2025-10-21Price change$123,900
2025-10-17Price change$128,900
2025-10-08Price change$129,900
2025-10-01Price change$134,900
2025-09-24Price change$139,900
2025-09-17Price change$144,900
2025-09-04Listed for sale$149,900
2024-07-21Listing removed--
2023-11-09Sold$18,000
2013-03-11Sold$9,000

For Sale by Agent

AgentTammy M Ramsey
BrokerageSegrest Flaherty Realtors LLC

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