4212 Settlers Point, Owensboro, KY, 42303
About This Home
I can truly say this is one of my favorite neighborhoods because I once lived here myself. Ideally located between the growing Highway 54 area and convenient bypass access to Frederica Street, this updated brick home offers comfort, convenience, and charm. Inside, you’ll find two generously sized bedrooms, fresh updated paint, a remodeled kitchen, an open-concept layout, and a spacious living room. And wait until you see the yard. The home features a storage building, plus additional yard space beyond the privacy fence. One of my favorite things about this neighborhood is the neighbors themselves, along with how walkable and convenient it is to food, groceries, banks, restaurants, and everyday essentials. Additional updates include a new roof, new gutters, new landscaping, and an oversized two-car garage. Possession is negotiable. Come see for yourself!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1985
Materials
- Foundation: Slab
- Roof: Dimensional
- Construction materials: Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Range,Refrigerator,Gas Water Heater
- Laundry features: W/D Hookup
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Features
- Cathedral Ceiling(s),Ceiling Fan(s),Walk-In Closet(s)
- Flooring: Vinyl
- Fireplace features: None
- Attic: Access Only
- Finished area below ground: 0
- Finished area above ground: 1,161
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Electric
Interior Area
- Total structure area: 1,161
- Total interior livable area: 1,161 sqft
Kitchen
- Features: Kitchen Island,Other
Living Room
- Level: First
Master Bedroom
- Level: First
Property
Details
- Parcel number: 003250901000000
Features
- Levels: One
- Stories: 1
- Patio & porch: Patio,Rear Porch
- Exterior features: Scenic
- Fencing: Privacy
Lot
- Lot size: 0.37 Acres
- Features: Level,Cleared,Rolling Slope,Landscaped
- Lot size dimensions: 106 x 150
Parking
- Total spaces: 2
- Parking features: Attached
- Has garage: Yes
- Attached garage spaces: 2
- Covered 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
- Inland Flooding
- Ice Storm
- Strong Wind
- Winter Weather
- Earthquake
- Hail
- Heat Wave
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters Across Kentucky Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,112 | $13,344 |
| Home Insurance * | $153 | $1,836 |
| Property Taxes | $52 | $624 |
| Electricity | $154 | $1,850 |
| Total | $1,471 | $17,652 |
Income You'd Need if You Spent...
Kentucky FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-11 | Price change | $215,000 |
| 2026-06-22 | Price change | $220,000 |
| 2026-06-03 | Listed for sale | $225,000 |
| 2023-04-17 | Sold | $169,900 |
| 2023-03-18 | Pending sale | $164,900 |
| 2023-03-16 | Listed for sale | $164,900 |
| 1991-09-01 | Sold | $52,900 |
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