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164 N Bellaire Ave, Louisville, KY, 40206

2beds
2baths
1,630sqft
$299,000
$183price/sqft
$2,156/moest. monthly cost
$86,240/yrincome needed

About This Home

Attractive duplex in popular Clifton area. Both units have been recently renovated. Both units occupied with good, reliable tenants. Rental income $1920/month. Priced to sell. Square footage not warranted.

Getting Around

77
WalkingVery Walkable
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

5/10
Meyzeek Middle SchoolGrades 6-82.4 mi
1/10
Waggener High SchoolGrades 9-123.9 mi

Construction

Condition

  • Year built: 1915

Materials

  • Roof: Composition
  • Construction materials: Wood Frame

Type & Style

  • Home type: MultiFamily
  • Architectural style: Traditional
  • Property subType: Duplex

Interior

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,630

Heating

  • Heating features: Electric,Forced Air,Natural Gas

Interior Area

  • Total structure area: 1,630
  • Total interior livable area: 1,630 sqft

Property

Details

  • Parcel number: 05069D00360000
  • Attached to another structure: Yes

Features

  • Exterior features: See Remarks

Lot

  • Lot size: 0.08 sqft
  • Lot size dimensions: 40 x 100

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
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Inland Flooding
Tornado
Earthquake
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 $1,511$18,132
Home Insurance *$173$2,076
Property Taxes $318$3,816
Electricity $154$1,850
Total$2,156$25,872
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,920/yr
40% on housing$64,680/yr
45% on housing$57,493/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

$183This listing

vs Other Active Listings

Avg $/sqft

ZIP 40206$143
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40206$219
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
2026-05-14Listed for sale$299,000
2025-11-20Listing removed$320,000
2025-11-11Listed for sale$320,000
2016-01-19Sold$130,000
2015-11-24Pending sale$144,900
2015-10-26Price change$144,900
2015-07-02Price change$149,900
2015-06-12Listed for sale$159,000
2014-09-10Sold$77,500
2010-12-01Listing removed$169,900
2010-09-24Price change$169,900
2010-08-03Listed for sale$179,900

For Sale by Agent

AgentTom Cowley
BrokerageCowley Realty

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