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3851 S 5th St, Louisville, KY, 40214

3beds
2baths
1,155sqft
$188,400
$163price/sqft
$1,437/moest. monthly cost
$57,480/yrincome needed

About This Home

Welcome to this beautiful 3 bedroom, 2 full baths with a 2 space carport. Home has a new roof, new A/C system with new air ducts. You will love the convenient location close to Kroger, U of L, and Churchill Downs. This home has the potential to be an Air BNB, a rental, or just a great starter home. Come see it! Schedule your appointment today.

Getting Around

66
WalkingSomewhat Walkable
0
TransitVery Limited Transit
75
BikeVery Bikeable

Schools

2/10
Semple Elementary SchoolGrades K-50.3 mi
1/10
Iroquois High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1920

Materials

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

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Dining Area

  • Level: First

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,155

Full Bathroom

  • Level: First

Full Bathroom

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 1,155
  • Total interior livable area: 1,155 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 11051F00020000

Features

  • Stories: 1
  • Patio & porch: Screened Porch
  • Fencing: Privacy,Wood

Lot

  • Lot size: 3,484 sqft
  • Features: Level
  • Lot size dimensions: 30 x 125

Parking

  • Total spaces: 2
  • Parking features: None
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

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 $952$11,424
Home Insurance *$123$1,476
Property Taxes $208$2,496
Electricity $154$1,850
Total$1,437$17,244
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,268/yr
40% on housing$43,110/yr
45% on housing$38,320/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

$163This listing

vs Other Active Listings

Avg $/sqft

ZIP 40214$128
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40214$141
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
2026-04-16Price change$189,900
2026-03-21Listed for sale$195,000
2024-03-05Sold$95,000
2024-02-27Pending sale$110,000
2024-02-22Listed for sale$110,000

For Sale by Agent

AgentSandra Ceballos
BrokerageKentucky Life Realty

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