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1409 Hepburn Ave, Louisville, KY, 40204

4beds
4baths
3,800sqft
$999,500
$263price/sqft
$7,067/moest. monthly cost
$282,680/yrincome needed

About This Home

The nearly 2-year long renovation is almost complete on this incredible brick painted lady in the Original Highlands. A brand new 2 bedroom, 2 bathroom 1000+ sf carriage house (not included in listing square footage) sits atop a 3-car garage with plenty of room for the owner and tenant to park. Separate meters allow tenants to pay their own electric and the rent will make a huge dent in a monthly mortgage payment. The main house is simply astounding. Enter this picturesque home through the large foyer. On your right is a grand living room or parlor that can be closed off with beautiful doors to make a private guest space or office. You will next notice the incredible woodwork indicative of turn of the century homes. A grand stair case and full bathroom tucked underneath is perfect for guests. The kitchen and great room area are open to each other and totally re-imagined with plenty of space for your family and guests. High-end tall cabinetry, quartz countertops and top of the line appliances are awaiting your cooking adventures. A sun-drenched breakfast room looks out onto your well landscaped rear yard. The second floor has an incredible and large primary suite with two huge closets, a modern fireplace and new bathroom with two vanities, beautiful tile shower and tasteful fixtures. There is also a small martini deck off the primary bedroom. Additionally on this floor are two other large bedrooms sharing a charming Jack-and-Jill bathroom. One of the bedrooms has its own private screened porch overlooking the backyard. There is room for a stack laundry on this floor. The third floor has a wonderful bedroom, office area and full bathroom. The carriage house is well-designed with a very livable open floorplan and a private deck. It can be configured to offer tenants one of the garage spaces while keeping the other two private for the main house. Updates and renovations include 4 HVAC systems, updated water heaters, new kitchen, new bathrooms, refinished antique hardwood and new hardwood flooring, newly constructed carriage house, etc. With nearly 5000 sf of living space, this property checks all the boxes and having a brand new carriage house is a rare find indeed.

Getting Around

89
WalkingVery Walkable
0
TransitVery Limited Transit
79
BikeVery Bikeable

Schools

2/10
5/10
Meyzeek Middle SchoolGrades 6-81.1 mi
1/10

Construction

Condition

  • Year built: 1890

Materials

  • Foundation: Concrete Blk
  • Roof: Other,Slate,Shingle
  • Construction materials: Cement Siding,Other,Brick

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Third

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Breakfast Room

  • Level: First

Features

  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,700

Full Bathroom

  • Level: First

Full Bathroom

  • Level: Second

Full Bathroom

  • Level: Third

Full Bathroom

  • Level: Second

Great Room

  • Level: First

Great Room

  • Level: Second

Heating & Cooling

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

Interior Area

  • Total structure area: 3,700
  • Total interior livable area: 3,800 sqft

Kitchen

  • Level: First

Kitchen

  • Level: Second

Laundry

  • Level: Second

Living Room

  • Level: First

Office

  • Level: Third

Primary Bathroom

  • Level: Second

Primary Bathroom

  • Level: Second

Primary Bedroom

  • Level: Second

Primary Bedroom

  • Level: Second

Property

Details

  • Parcel number: 09027B01190000

Features

  • Stories: 2
  • Patio & porch: Wrap Around,Deck,Porch
  • Exterior features: Balcony
  • Fencing: Full

Lot

  • Lot size: 8,712 sqft
  • Lot size dimensions: 50 x 170

Parking

  • Total spaces: 3
  • Parking features: Detached,Entry Rear
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Heat Wave
Tornado

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 $5,054$60,648
Home Insurance *$725$8,700
Property Taxes $988$11,856
Electricity $300$3,601
Total$7,067$84,804
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$242,297/yr
40% on housing$212,010/yr
45% on housing$188,453/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

$263This listing

vs Other Active Listings

Avg $/sqft

ZIP 40204$163
Jefferson County$144

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
2026-05-01Listed for sale$1,195,000
2026-01-11Listing removed$1,195,000
2026-01-02Listed for sale$1,195,000
2026-01-02Listing removed$1,195,000
2025-11-15Listed for sale$1,195,000

For Sale by Agent

AgentFred Levein
BrokerageTHINK Real Estate LLC

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