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642 N Miles St, Elizabethtown, KY, 42701

2beds
2baths
1,484sqft
$169,000
$114price/sqft
$1,187/moest. monthly cost
$47,480/yrincome needed

About This Home

Can be converted to 3 bedroom with a little work.

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

--
Panther AcademyGrades PK-K0.3 mi
6/10
10/10
Elizabethtown High SchoolGrades 9-120.2 mi

Construction

Condition

  • Year built: 1952

Materials

  • Foundation: Concrete Blk
  • Roof: Shingle
  • Construction materials: Wood Frame

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,484

Heating & Cooling

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

Interior Area

  • Total structure area: 1,484
  • Total interior livable area: 1,484 sqft

Kitchen

  • Level: First

Laundry

  • Level: Basement

Living Room

  • Level: First

Property

Details

  • Parcel number: 2202007060

Features

  • Stories: 1
  • Exterior features: None
  • Fencing: None

Lot

  • Lot size: 7,840 sqft
  • Features: Level

Parking

  • Total spaces: 1
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Hail
Ice Storm
Lightning
Tornado
Winter Weather
Earthquake
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 $854$10,248
Home Insurance *$98$1,176
Property Taxes $81$972
Electricity $154$1,850
Total$1,187$14,244
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,697/yr
40% on housing$35,610/yr
45% on housing$31,653/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: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$114This listing

vs Other Active Listings

Avg $/sqft

ZIP 42701$144
Hardin County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 42701$142
Hardin County$149

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
2026-05-06Price change$185,000
2026-04-24Listed for sale$199,000

For Sale by Agent

AgentTodd T Akridge
BrokerageAmericana Real Estate and Auct

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