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439 Campbell St, Lexington, KY, 40508

2beds
1baths
828sqft
$145,000
$175price/sqft
$1,180/moest. monthly cost
$47,200/yrincome needed

About This Home

Prime location near Transylvania University and downtown Lexington. Excellent opportunity to renovate, flip, or redevelop. Strong investment potential in a rapidly growing area. Property currently leased for $1500 per month. Seller is willing to negotiate a package price for buyers purchasing both 526 Jefferson (MLS #: 26015229) and 439 Campbell street (MLS #: 26015228) together.

Getting Around

78
WalkingVery Walkable
0
TransitVery Limited Transit
85
BikeVery Bikeable

Schools

5/10
5/10
Lexington Middle SchoolGrades 6-80.3 mi
10/10
Lafayette High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Stone
  • Roof: Shingle
  • Construction materials: Asbestos

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range
  • Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,Washer Hookup

Bedroom2

  • Level: First

Bedrooms & Bathrooms

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

Den

  • Level: First

Features

  • Eat-in Kitchen
  • Door features: Storm Door(s)
  • Flooring: Other
  • Finished area below ground: 0
  • Finished area above ground: 828

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Other

Interior Area

  • Total structure area: 828
  • Total interior livable area: 828 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 12067707

Features

  • Levels: One
  • Fencing: Chain Link

Lot

  • Lot size: 3,484 sqft

Parking

  • Parking features: Off Street,Garage Faces Rear

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

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Tornado
Winter Weather
Hail
Inland Flooding
Ice Storm
Strong Wind

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 $733$8,796
Home Insurance *$143$1,716
Property Taxes $150$1,800
Electricity $154$1,850
Total$1,180$14,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,457/yr
40% on housing$35,400/yr
45% on housing$31,466/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: 11.5%
11.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$175This listing

vs Other Active Listings

Avg $/sqft

ZIP 40508$142
Fayette County$246

vs Homes Sold Last Month

Median $/sqft

ZIP 40508$135
Fayette County$186

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)

No zestimate history available

Price History

DateEventPrice
2026-07-25Price change$145,000
2026-07-23Listed for sale$150,000
2017-05-03Sold$20,000
2005-04-11Sold$23,100

For Sale by Agent

AgentSharon Angelina A Allen
BrokerageCENTURY 21 Advantage Realty

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