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334 Oak St, Lexington, KY, 40508

1beds
1baths
797sqft
$110,000
$138price/sqft
$933/moest. monthly cost
$37,320/yrincome needed

About This Home

Affordable, updated, and close to it all! 334 Oak St offers spacious rooms, updated flooring, fresh paint, and a new water heater. Enjoy a fully fenced yard plus a cozy covered front porch. Minutes from downtown, Newtown Rd, Georgetown Rd, and New Circle — this move-in-ready home is a fantastic find at this price point.

Getting Around

63
WalkingSomewhat Walkable
0
TransitVery Limited Transit
80
BikeVery Bikeable

Schools

2/10
Winburn Middle SchoolGrades 6-82.3 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Other,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range,Refrigerator

Bathroom1

  • Level: First

Bedrooms & Bathrooms

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

Bonus Room

  • Level: First

Features

  • Eat-in Kitchen,Ceiling Fan(s)
  • Window features: Blinds
  • Flooring: Carpet
  • Finished area below ground: 0
  • Finished area above ground: 797

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 797
  • Total interior livable area: 797 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 15987000

Features

  • Levels: One
  • Fencing: Chain Link

Lot

  • Lot size: 1,511 sqft

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
  • Heat Wave
    Heat WaveModerate
  • 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
Heat Wave
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 $556$6,672
Home Insurance *$108$1,296
Property Taxes $115$1,380
Electricity $154$1,850
Total$933$11,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,988/yr
40% on housing$27,990/yr
45% on housing$24,880/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

$138This listing

vs Other Active Listings

Avg $/sqft

ZIP 40508$143
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
2025-11-28Listed for sale$110,000
2025-11-22Listing removed$110,000
2025-10-16Price change$110,000
2025-10-05Listed for sale$125,000
2025-09-04Listing removed$139,900
2024-04-22Listed for sale$139,900
2005-08-25Sold$8,500

For Sale by Agent

AgentChaney A Hughes
BrokerageRed 1 Realty

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