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627 Rubel Ave, Louisville, KY, 40204

3beds
2baths
1,216sqft
$287,000
$236price/sqft
$2,130/moest. monthly cost
$85,200/yrincome needed

About This Home

Located on a highly desirable street in the heart of Phoenix Hill, this charming 3-bedroom, 2 full bath shotgun-style home offers the perfect blend of character and convenience. Surrounded by local shops, dining, and entertainment, you'll love the vibrant lifestyle this location provides. Inside, the home features loads of original charm paired with modern updates, including a beautifully renovated kitchen ideal for everyday living and entertaining. A new HVAC system adds comfort and peace of mind. With its unique style, thoughtful updates, and unbeatable location, this home is a must-see for anyone looking to enjoy the best of city living.

Getting Around

77
WalkingVery Walkable
0
TransitVery Limited Transit
78
BikeVery Bikeable

Schools

5/10
Meyzeek Middle SchoolGrades 6-81.0 mi
1/10

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Basement: Cellar

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,216

Full Bathroom

  • Level: First

Full Bathroom

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 1,216
  • Total interior livable area: 1,216 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 05068C00170000

Features

  • Stories: 1
  • Patio & porch: Patio
  • Fencing: Privacy,Wood,Chain Link

Lot

  • Lot size: 3,049 sqft
  • Features: Sidewalk,Level

Parking

  • Parking features: Off Street,Entry Rear
  • 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
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Tornado
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 $1,451$17,412
Home Insurance *$208$2,496
Property Taxes $317$3,804
Electricity $154$1,850
Total$2,130$25,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,028/yr
40% on housing$63,900/yr
45% on housing$56,800/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

$236This listing

vs Other Active Listings

Avg $/sqft

ZIP 40204$167
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40204$214
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
2026-04-15Listed for sale$300,000
2023-12-12Sold$245,000
2023-10-27Pending sale$259,900
2023-09-06Price change$259,900
2023-08-08Listed for sale$279,900
2023-02-24Sold$219,500
2023-01-30Pending sale$219,500
2023-01-27Listed for sale$219,500
2023-01-13Contingent$219,500
2023-01-10Listed for sale$219,500
2014-09-29Sold$129,000
2003-05-19Sold$57,000

For Sale by Agent

AgentSydney Littlefield
BrokerageKeller Williams Collective

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