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3944 Massie Ave, Saint Matthews, KY, 40207

4beds
2baths
1,638sqft
$385,000
$235price/sqft
$2,630/moest. monthly cost
$105,200/yrincome needed

About This Home

Beautifully maintained home in a highly desirable St. Matthews location, blending timeless character with thoughtful modern updates. Original hardwood flooring extends throughout much of the main living area, while classic features such as the wood-burning fireplace add warmth and charm. Just off the living room, a three-season room provides additional space to relax. The main level flows seamlessly into a dedicated dining room, adjacent to a versatile flex space currently utilized as a coffee bar and butler's pantry, formerly the home's original kitchen. A substantial 2019 addition introduced a spacious modern kitchen featuring granite countertops, soft-close cabinetry, stainless steel appliances, a dedicated laundry area, and abundant prep space. An additional sitting room and powder room are conveniently located just off the kitchen. Two generously sized bedrooms and a full bathroom complete the first floor. Upstairs, you'll find two additional bonus rooms that have previously been used as bedrooms, each equipped with its own heating and cooling system for added comfort and flexibility. The unfinished walk-up basement offers excellent storage, additional laundry hookups, and future expansion potential. Outside, a long driveway leads to an oversized two-car garage, while the fenced, level backyard provides ample outdoor space for entertaining, gardening, or recreation .Offering a rare combination of character, functionality, and modern convenience, this exceptional property is ready for its next owner.Call agent to schedule your private showing.

Getting Around

75
WalkingVery Walkable
0
TransitVery Limited Transit
57
BikeBikeable

Schools

4/10
4/10
Westport Middle SchoolGrades 6-83.3 mi
1/10
Waggener High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1937

Materials

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

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished,Walkout Unfinished

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,558

Full Bathroom

  • Level: First

Half Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Natural Gas,Other
  • Cooling features: Wall/Window Unit(s),Central Air

Interior Area

  • Total structure area: 1,558
  • Total interior livable area: 1,638 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Other

  • Level: First

Property

Details

  • Parcel number: 21025000130000

Features

  • Stories: 2
  • Fencing: Other

Lot

  • Lot size: 10,454 sqft
  • Features: Level
  • Lot size dimensions: 60 x 174

Parking

  • Total spaces: 2
  • Parking features: Off Street,Detached,See Remarks,Driveway
  • 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

  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

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 $1,946$23,352
Home Insurance *$167$2,004
Property Taxes $363$4,356
Electricity $154$1,850
Total$2,630$31,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,171/yr
40% on housing$78,900/yr
45% on housing$70,133/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

$235This listing

vs Other Active Listings

Avg $/sqft

ZIP 40207$198
Jefferson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40207$204
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
2026-07-13Price change$385,000
2026-06-25Listed for sale$395,000
1996-05-25Sold$84,000

For Sale by Agent

AgentJohn Brace
BrokerageRedfin

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