6509 Marina Dr · Louisville/Jefferson County metro government (balance), KY 40059

$447,500

4 bd · 3.5 ba · 3,825 sqft · Condo · 86 Days on market

Built 1981 $841/mo HOA · 16% of rent

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Why this score? — see what drove the D+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +17.7/30.0
• ARV discount +7.5/15.0
• 1% rule +6.5/10.0
• DSCR +5.6/10.0
• Rent growth +3.7/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This spacious and updated condo is a must see w/so much to offer, walking out the back door onto one of the decks or patio w/ a hot tub will make you feel like you are on vacation 24/7. Imagine relaxing on the deck sipping coffee or a glass of wine while looking over Harrods Creek. The large updated kitchen has two ovens and an a large island, along w/ a wine fridge. You also have an amazing great room/fireplace, Florida room, laundry and 1/2 bath on the main level. There is a deck off of the primary bedroom, an en suite and a gigantic walk in closet. There are also 2 other nice size bedrooms and full bath. The basement has an amazing bar, workout room and full bath. This condo is a entertainers dream. The Harbor offers a marina, clubhouse and pool. Will provide a list of the many updates w/ the documents. The Sellers also have a boat that they would be willing to sell that is currently in the Harbor Marina.

Key facts

• Double wall oven
• Two separate decks
• $841 HOA

Tags

• FULLY UPDATED KITCHEN
• DOUBLE WALL OVEN
• OVERSIZED TILED WALK-IN SHOWER
• FINISHED WALKOUT BASEMENT
• DIRECT ACCESS TO PATIO
• TWO SEPARATE DECKS

Property features AI

Finance

• Other: Unit located in building number 6509 within The Harbor at Harrods Creek; In a multi-building complex with 150 condo units and 2 building floors
• HOA & community: Association present; monthly maintenance fee applies; Monthly maintenance fee listed (maintenance covers grounds, exterior maintenance, master insurance, sewer, snow removal, trash, and water); Community amenities include clubhouse and marina; Condo community with approximately 150 units

Exterior

• Parking: Detached garage; 2 garage spaces (garage parking)
• Utilities: Electricity connected; Natural gas available; Sewer and water service included in association maintenance
• Home design: Condominium unit spanning levels 1 and 2; Open plan / other architectural style; Single-story building unit designation (building listed as 1 story); Building has 2 floors total
• Construction: Built in 1981; Vinyl siding; Shingle roof; Poured concrete foundation
• Exterior features: Balcony; Waterfront property

Interior

• Kitchen: Kitchen on the first floor; Additional kitchen in the basement
• Bedrooms: 4 bedrooms total; Primary bedroom on the second floor; Three bedrooms on the second floor; One bedroom in the basement
• Bathrooms: 3 full bathrooms; 1 half bathroom (on the first floor)
• Heating & cooling: Electric heating available; Natural gas heating available; Central air conditioning
• Interior features: Partially finished, walkout finished basement; 2 fireplaces (one on main level, one in basement); 11–12 total rooms; 9 closets; First-floor laundry; Sun room; Great room
• Laundry & utility: In-unit laundry (laundry room in basement and first-floor laundry available)

What this means for you Summary

Snapshot

• This is a 4-bed/3.5-bath condo listed at $448k.

Deal economics

• At list price, monthly cash flow is $-63 ($-750/yr) — negative.
• To cash-flow at today's rent, offer at most $436k (2.5% below list).
• Meets the 1% rule at list price ($5k rent vs $448k).
• Recommended offer: $421k (6.0% below list) — sets the bar for market timing.
• Cap rate 7.3% vs local median 4.0% in Louisville/Jefferson County metro government (balance) — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Jefferson County (urban): math 19% / reading 35% proficiency, ranked #121 of 165 in KY (top 73%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Dunn Elementary (math 46% / reading 58%, grade C-, #82 of 676 statewide, top 13%, 468 students, 31% FRL); Kammerer Middle (math 21% / reading 42%, grade F, #125 of 217 statewide, top 63%, 720 students, 52% FRL); Ballard High (math 42% / reading 46%, grade F, #27 of 254 statewide, top 10%, 2,014 students, 34% FRL) — zoned schools average 39% FRL vs 56% district-wide (17 pts lower); this property's tenant base skews higher-income than the district average.
• Zoned-school proficiency averages 42% at this address vs 27% district-wide (+16 pts) — the actual schools serving this property are materially stronger than the Jefferson County average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+4.8%/yr); 241 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 2,836 units permitted in Jefferson County in 2024 (1,558 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $13k of value loss. Plan a longer hold.
• Jefferson County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 86 days — a 6% lower offer ($421k) is reasonable based on typical stale-listing flexibility.
• 11 sale attempts since 22y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $362k; 23% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $427/mo.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $420,650 (6.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 86 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
6. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
8. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
9. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
10. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
11. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.15% ✓
• Cap rate: 7.27%
• Cash-on-cash: 3.49%
• DSCR: 1.16
• GRM: 7.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 4.81% rent growth · sell at horizon

5-year hold

• IRR: -14.4%
• Equity multiple: 0.47×
• Total profit: $-66,213
• Equity at exit: $66,724

10-year hold

• IRR: -2.0%
• Equity multiple: 0.85×
• Total profit: $-19,135
• Equity at exit: $38,692

Cash invested: $125,300 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Kentucky: 83 Strongly Landlord-Friendly · R+16
• County: — inherits STATE
• City: — inherits STATE

7-day pay-or-quit (URLTA cities); generally landlord-friendly.

Methodology + full state rankings →

ZIP-level market 40059

• Rents YoY: 4.8%
• Active inventory: 241
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $5,159 medium
• Mortgage (P&I): −$2,347
• Tax from tax record: −$337 /mo · $4,046/yr
• Insurance: −$186
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$841
• Vacancy / Maint / Mgmt: −$1,083
• Net cashflow: $-63

Break-even live

Break-even rent $5,238

Max offer price $436,454

Occupancy floor 96%

Sensitivity live

Price	-10% $191	-5% $64	+0% $-63	+5% $-189	+10% $-316
Rent	-10% $-470	-5% $-266	+0% $-63	+5% $141	+10% $345
Rate	-1.0pp $163	-0.5pp $51	base $-63	+0.5pp $-178	+1.0pp $-296

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $111,875
• Closing costs: $13,425
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5304 Wolfpen Woods Dr Prospect, KY	4.0	2.5	2732	$3,500	$1.28	17d	1	1.11mi
7703 Wolfpen Ridge Dr Prospect, KY	4.0	3.5	4100	$4,195	$1.02	5d	1	1.38mi
301 S Front St Unit 1354354P Jeffersonville, IN	5.0	3.0	2949	$10,745	$3.64	45d	1	1.39mi

HOA detail condo

• Monthly dues: $841 · $10,092/yr
• Likely covers: pool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 50 events

1. 2026-06-21
   days on market $447,500 Active 86 DOM
2. 2026-06-18
   days on market $447,500 Active 83 DOM
3. 2026-06-17
   days on market $447,500 Active 82 DOM
4. 2026-06-16
   days on market $447,500 Active 81 DOM
5. 2026-06-15
   days on market $447,500 Active 80 DOM
6. 2026-06-13
   days on market $447,500 Active 78 DOM
7. 2026-06-10
   days on market $447,500 Active 75 DOM
8. 2026-06-09
   days on market $447,500 Active 74 DOM
9. 2026-06-08
   days on market $447,500 Active 73 DOM
10. 2026-06-07
    days on market $447,500 Active 72 DOM
11. 2026-06-03
    days on market $447,500 Active 68 DOM
12. 2026-06-02
    days on market $447,500 Active 67 DOM
13. 2026-06-01
    days on market $447,500 Active 66 DOM
14. 2026-05-31
    days on market $447,500 Active 65 DOM
15. 2026-04-15
    price $447,500
16. 2026-03-26
    listed $449,900 Active
17. 2023-04-17
    soldstatus $362,500
18. 2023-04-14
    soldstatus $362,500 Closed 927-char remark

    Show marketing remark (927 chars)

    This spacious and updated condo is a must see w/so much to offer, walking out the back door onto one of the decks or patio w/ a hot tub will make you feel like you are on vacation 24/7. Imagine relaxing on the deck sipping coffee or a glass of wine while looking over Harrods Creek. The large updated kitchen has two ovens and an a large island, along w/ a wine fridge. You also have an amazing great room/fireplace, Florida room, laundry and 1/2 bath on the main level. There is a deck off of the primary bedroom, an en suite and a gigantic walk in closet. There are also 2 other nice size bedrooms and full bath. The basement has an amazing bar, workout room and full bath. This condo is a entertainers dream. The Harbor offers a marina, clubhouse and pool. Will provide a list of the many updates w/ the documents. The Sellers also have a boat that they would be willing to sell that is currently in the Harbor Marina.

19. 2023-04-02
    status Pending 927-char remark

    Show marketing remark (927 chars)

    This spacious and updated condo is a must see w/so much to offer, walking out the back door onto one of the decks or patio w/ a hot tub will make you feel like you are on vacation 24/7. Imagine relaxing on the deck sipping coffee or a glass of wine while looking over Harrods Creek. The large updated kitchen has two ovens and an a large island, along w/ a wine fridge. You also have an amazing great room/fireplace, Florida room, laundry and 1/2 bath on the main level. There is a deck off of the primary bedroom, an en suite and a gigantic walk in closet. There are also 2 other nice size bedrooms and full bath. The basement has an amazing bar, workout room and full bath. This condo is a entertainers dream. The Harbor offers a marina, clubhouse and pool. Will provide a list of the many updates w/ the documents. The Sellers also have a boat that they would be willing to sell that is currently in the Harbor Marina.

20. 2023-03-07
    status Active Under Contract 927-char remark

    Show marketing remark (927 chars)

    This spacious and updated condo is a must see w/so much to offer, walking out the back door onto one of the decks or patio w/ a hot tub will make you feel like you are on vacation 24/7. Imagine relaxing on the deck sipping coffee or a glass of wine while looking over Harrods Creek. The large updated kitchen has two ovens and an a large island, along w/ a wine fridge. You also have an amazing great room/fireplace, Florida room, laundry and 1/2 bath on the main level. There is a deck off of the primary bedroom, an en suite and a gigantic walk in closet. There are also 2 other nice size bedrooms and full bath. The basement has an amazing bar, workout room and full bath. This condo is a entertainers dream. The Harbor offers a marina, clubhouse and pool. Will provide a list of the many updates w/ the documents. The Sellers also have a boat that they would be willing to sell that is currently in the Harbor Marina.

21. 2023-03-06
    historical 927-char remark

    Show marketing remark (927 chars)

    This spacious and updated condo is a must see w/so much to offer, walking out the back door onto one of the decks or patio w/ a hot tub will make you feel like you are on vacation 24/7. Imagine relaxing on the deck sipping coffee or a glass of wine while looking over Harrods Creek. The large updated kitchen has two ovens and an a large island, along w/ a wine fridge. You also have an amazing great room/fireplace, Florida room, laundry and 1/2 bath on the main level. There is a deck off of the primary bedroom, an en suite and a gigantic walk in closet. There are also 2 other nice size bedrooms and full bath. The basement has an amazing bar, workout room and full bath. This condo is a entertainers dream. The Harbor offers a marina, clubhouse and pool. Will provide a list of the many updates w/ the documents. The Sellers also have a boat that they would be willing to sell that is currently in the Harbor Marina.

22. 2023-02-12
    historical Active Under Contract 927-char remark

    Show marketing remark (927 chars)

    This spacious and updated condo is a must see w/so much to offer, walking out the back door onto one of the decks or patio w/ a hot tub will make you feel like you are on vacation 24/7. Imagine relaxing on the deck sipping coffee or a glass of wine while looking over Harrods Creek. The large updated kitchen has two ovens and an a large island, along w/ a wine fridge. You also have an amazing great room/fireplace, Florida room, laundry and 1/2 bath on the main level. There is a deck off of the primary bedroom, an en suite and a gigantic walk in closet. There are also 2 other nice size bedrooms and full bath. The basement has an amazing bar, workout room and full bath. This condo is a entertainers dream. The Harbor offers a marina, clubhouse and pool. Will provide a list of the many updates w/ the documents. The Sellers also have a boat that they would be willing to sell that is currently in the Harbor Marina.

23. 2022-09-21
    price $385,500 927-char remark

    Show marketing remark (927 chars)

    This spacious and updated condo is a must see w/so much to offer, walking out the back door onto one of the decks or patio w/ a hot tub will make you feel like you are on vacation 24/7. Imagine relaxing on the deck sipping coffee or a glass of wine while looking over Harrods Creek. The large updated kitchen has two ovens and an a large island, along w/ a wine fridge. You also have an amazing great room/fireplace, Florida room, laundry and 1/2 bath on the main level. There is a deck off of the primary bedroom, an en suite and a gigantic walk in closet. There are also 2 other nice size bedrooms and full bath. The basement has an amazing bar, workout room and full bath. This condo is a entertainers dream. The Harbor offers a marina, clubhouse and pool. Will provide a list of the many updates w/ the documents. The Sellers also have a boat that they would be willing to sell that is currently in the Harbor Marina.

24. 2022-09-21
    price $375,000 927-char remark

    Show marketing remark (927 chars)

    This spacious and updated condo is a must see w/so much to offer, walking out the back door onto one of the decks or patio w/ a hot tub will make you feel like you are on vacation 24/7. Imagine relaxing on the deck sipping coffee or a glass of wine while looking over Harrods Creek. The large updated kitchen has two ovens and an a large island, along w/ a wine fridge. You also have an amazing great room/fireplace, Florida room, laundry and 1/2 bath on the main level. There is a deck off of the primary bedroom, an en suite and a gigantic walk in closet. There are also 2 other nice size bedrooms and full bath. The basement has an amazing bar, workout room and full bath. This condo is a entertainers dream. The Harbor offers a marina, clubhouse and pool. Will provide a list of the many updates w/ the documents. The Sellers also have a boat that they would be willing to sell that is currently in the Harbor Marina.

25. 2022-09-21
    price $384,900 927-char remark

    Show marketing remark (927 chars)

    This spacious and updated condo is a must see w/so much to offer, walking out the back door onto one of the decks or patio w/ a hot tub will make you feel like you are on vacation 24/7. Imagine relaxing on the deck sipping coffee or a glass of wine while looking over Harrods Creek. The large updated kitchen has two ovens and an a large island, along w/ a wine fridge. You also have an amazing great room/fireplace, Florida room, laundry and 1/2 bath on the main level. There is a deck off of the primary bedroom, an en suite and a gigantic walk in closet. There are also 2 other nice size bedrooms and full bath. The basement has an amazing bar, workout room and full bath. This condo is a entertainers dream. The Harbor offers a marina, clubhouse and pool. Will provide a list of the many updates w/ the documents. The Sellers also have a boat that they would be willing to sell that is currently in the Harbor Marina.

26. 2022-09-21
    price $399,900 927-char remark

    Show marketing remark (927 chars)

    This spacious and updated condo is a must see w/so much to offer, walking out the back door onto one of the decks or patio w/ a hot tub will make you feel like you are on vacation 24/7. Imagine relaxing on the deck sipping coffee or a glass of wine while looking over Harrods Creek. The large updated kitchen has two ovens and an a large island, along w/ a wine fridge. You also have an amazing great room/fireplace, Florida room, laundry and 1/2 bath on the main level. There is a deck off of the primary bedroom, an en suite and a gigantic walk in closet. There are also 2 other nice size bedrooms and full bath. The basement has an amazing bar, workout room and full bath. This condo is a entertainers dream. The Harbor offers a marina, clubhouse and pool. Will provide a list of the many updates w/ the documents. The Sellers also have a boat that they would be willing to sell that is currently in the Harbor Marina.

27. 2022-09-21
    price $405,900 927-char remark

    Show marketing remark (927 chars)

    This spacious and updated condo is a must see w/so much to offer, walking out the back door onto one of the decks or patio w/ a hot tub will make you feel like you are on vacation 24/7. Imagine relaxing on the deck sipping coffee or a glass of wine while looking over Harrods Creek. The large updated kitchen has two ovens and an a large island, along w/ a wine fridge. You also have an amazing great room/fireplace, Florida room, laundry and 1/2 bath on the main level. There is a deck off of the primary bedroom, an en suite and a gigantic walk in closet. There are also 2 other nice size bedrooms and full bath. The basement has an amazing bar, workout room and full bath. This condo is a entertainers dream. The Harbor offers a marina, clubhouse and pool. Will provide a list of the many updates w/ the documents. The Sellers also have a boat that they would be willing to sell that is currently in the Harbor Marina.

28. 2022-09-20
    listed $409,900 Active 927-char remark

    Show marketing remark (927 chars)

    This spacious and updated condo is a must see w/so much to offer, walking out the back door onto one of the decks or patio w/ a hot tub will make you feel like you are on vacation 24/7. Imagine relaxing on the deck sipping coffee or a glass of wine while looking over Harrods Creek. The large updated kitchen has two ovens and an a large island, along w/ a wine fridge. You also have an amazing great room/fireplace, Florida room, laundry and 1/2 bath on the main level. There is a deck off of the primary bedroom, an en suite and a gigantic walk in closet. There are also 2 other nice size bedrooms and full bath. The basement has an amazing bar, workout room and full bath. This condo is a entertainers dream. The Harbor offers a marina, clubhouse and pool. Will provide a list of the many updates w/ the documents. The Sellers also have a boat that they would be willing to sell that is currently in the Harbor Marina.

29. 2019-04-23
    soldstatus $200,000 Closed 588-char remark

    Show marketing remark (588 chars)

    Remodeled and ready to move in! This is one of the largest units at The Harbor at Harrods Creek. This condo boasts beautiful views overlooking Harrods Creek from the first and second floor decks, as well as the walkout basement patio. Living areas are HUGE with fireplaces and bright and sunny views. This home features 3 large bedrooms with walk in closets. Kitchen is spacious with center cook top island, stainless appliances, and ample cabinetry. Home is being sold as is: proof of funds/ pre-approval with offer. Sq ft and utilities to be verified by buyer. Please read agent notes!

30. 2019-03-06
    status Pending 588-char remark

    Show marketing remark (588 chars)

    Remodeled and ready to move in! This is one of the largest units at The Harbor at Harrods Creek. This condo boasts beautiful views overlooking Harrods Creek from the first and second floor decks, as well as the walkout basement patio. Living areas are HUGE with fireplaces and bright and sunny views. This home features 3 large bedrooms with walk in closets. Kitchen is spacious with center cook top island, stainless appliances, and ample cabinetry. Home is being sold as is: proof of funds/ pre-approval with offer. Sq ft and utilities to be verified by buyer. Please read agent notes!

31. 2018-08-29
    price $224,900 588-char remark

    Show marketing remark (588 chars)

    Remodeled and ready to move in! This is one of the largest units at The Harbor at Harrods Creek. This condo boasts beautiful views overlooking Harrods Creek from the first and second floor decks, as well as the walkout basement patio. Living areas are HUGE with fireplaces and bright and sunny views. This home features 3 large bedrooms with walk in closets. Kitchen is spacious with center cook top island, stainless appliances, and ample cabinetry. Home is being sold as is: proof of funds/ pre-approval with offer. Sq ft and utilities to be verified by buyer. Please read agent notes!

32. 2018-08-29
    price $219,900 588-char remark

    Show marketing remark (588 chars)

    Remodeled and ready to move in! This is one of the largest units at The Harbor at Harrods Creek. This condo boasts beautiful views overlooking Harrods Creek from the first and second floor decks, as well as the walkout basement patio. Living areas are HUGE with fireplaces and bright and sunny views. This home features 3 large bedrooms with walk in closets. Kitchen is spacious with center cook top island, stainless appliances, and ample cabinetry. Home is being sold as is: proof of funds/ pre-approval with offer. Sq ft and utilities to be verified by buyer. Please read agent notes!

33. 2018-08-29
    price $244,900 588-char remark

    Show marketing remark (588 chars)

    Remodeled and ready to move in! This is one of the largest units at The Harbor at Harrods Creek. This condo boasts beautiful views overlooking Harrods Creek from the first and second floor decks, as well as the walkout basement patio. Living areas are HUGE with fireplaces and bright and sunny views. This home features 3 large bedrooms with walk in closets. Kitchen is spacious with center cook top island, stainless appliances, and ample cabinetry. Home is being sold as is: proof of funds/ pre-approval with offer. Sq ft and utilities to be verified by buyer. Please read agent notes!

34. 2018-08-29
    price $239,900 588-char remark

    Show marketing remark (588 chars)

    Remodeled and ready to move in! This is one of the largest units at The Harbor at Harrods Creek. This condo boasts beautiful views overlooking Harrods Creek from the first and second floor decks, as well as the walkout basement patio. Living areas are HUGE with fireplaces and bright and sunny views. This home features 3 large bedrooms with walk in closets. Kitchen is spacious with center cook top island, stainless appliances, and ample cabinetry. Home is being sold as is: proof of funds/ pre-approval with offer. Sq ft and utilities to be verified by buyer. Please read agent notes!

35. 2018-08-29
    price $215,000 588-char remark

    Show marketing remark (588 chars)

    Remodeled and ready to move in! This is one of the largest units at The Harbor at Harrods Creek. This condo boasts beautiful views overlooking Harrods Creek from the first and second floor decks, as well as the walkout basement patio. Living areas are HUGE with fireplaces and bright and sunny views. This home features 3 large bedrooms with walk in closets. Kitchen is spacious with center cook top island, stainless appliances, and ample cabinetry. Home is being sold as is: proof of funds/ pre-approval with offer. Sq ft and utilities to be verified by buyer. Please read agent notes!

36. 2018-08-28
    listed $249,900 Active 588-char remark

    Show marketing remark (588 chars)

    Remodeled and ready to move in! This is one of the largest units at The Harbor at Harrods Creek. This condo boasts beautiful views overlooking Harrods Creek from the first and second floor decks, as well as the walkout basement patio. Living areas are HUGE with fireplaces and bright and sunny views. This home features 3 large bedrooms with walk in closets. Kitchen is spacious with center cook top island, stainless appliances, and ample cabinetry. Home is being sold as is: proof of funds/ pre-approval with offer. Sq ft and utilities to be verified by buyer. Please read agent notes!

37. 2017-10-05
    historical
38. 2017-07-27
    listed $274,900 Active
39. 2017-07-27
    price $264,900
40. 2017-07-27
    price $269,900
41. 2010-04-16
    historical
42. 2010-03-15
    listed $275,000
43. 2010-03-12
    historical
44. 2009-07-06
    listed $279,650
45. 2007-10-30
    soldstatus $282,000
46. 2007-10-25
    soldstatus $282,000
47. 2007-09-03
    listed $299,900
48. 2005-01-31
    soldstatus $200,000
49. 2005-01-10
    historical
50. 2005-01-10
    listed $229,900

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast KY · Resets to sale price

• Current annual tax: $4,046 · $337/mo
• Projected year-2 tax: $4,046 · $337/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone AE · 76% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥104°F today · 21 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $61,904
• − Mortgage interest: −$25,067
• − Property taxes: −$4,046
• − Insurance: −$7,356
• − Repairs & maintenance: −$4,952
• − Management: −$4,952
• − HOA: −$10,092
• − Depreciation: −$13,018
• Taxable loss: −$7,579
• Est. tax savings @ 24.0%: +$1,819
• After-tax cash flow: $1,069/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Jefferson County
• NCES district ID: 2102990
• Math proficiency: 19% ▼ -17.00%
• Reading proficiency: 35% ▼ -11.00%
• Median HH income: $47,885
• Composite: 23.45/100
• National rank: #7884
• State rank: #121 of 165 in KY

Livability — Louisville/Jefferson County metro government (balance)

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Louisville/Jefferson County metro government (balance), KY
• County: Jefferson County · 790,184 people
• City population: 419,741
• Metro: Louisville/Jefferson County, KY-IN
• Population (ZIP): 20,892
• Household income: $152,727
• Rent vs Own: 12.6% rent · 87.4% own
• Severe rent burden: 255.0

Population outlook (Jefferson County) Hauer SSP2

• Today (2025): 823,112 people
• By 2030: 849,343 · +3.2%
• By 2040: 895,696 · +8.8%
• By 2050: 933,630 · +13.4%
• By 2075: 1,028,262 · +24.9%
• By 2100: 1,072,675 · +30.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Asian 4% Two or more races 4% Black 4% Hispanic / Latino 2%
• Common ancestry: Slovak 4% Italian 3% Romanian 2%
• Foreign-born: 8% · Canada, China
• Languages at home: 93% English-only · Other Indo-European 3% Chinese 1% Spanish 1%

Political lean MEDSL · Jefferson

• 2024 margin: D (+16.6) · D 57.4% · R 40.9% · Other 1.7%
• 2008→2024 swing: +4.5pp toward D · 2008: 12.0pp · 2024: 16.6pp
• All cycles: 2024: D+16.6 2020: D+20.1 2016: D+13.3 2012: D+11.1 2008: D+12.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -159.22%
• Current HPI: 229.5964
• Rent YoY: ▲ 4.81%
• Metro: Louisville/Jefferson County, KY-IN
• State GDP YoY: ▲ 1.81%
• F500 in state: 4

Industry mix (Fortune 500 HQ in KY)

Industry	F500 HQs	Revenue
▸Healthcare	1	$118B
▸Food / Beverage	1	$7B

Price history

+86.5% since first listed

39 events — show timeline

• 2026-04-15 Price Changed $447,500 Metro Search MLS
• 2026-03-26 Listed $449,900 Metro Search MLS
• 2023-04-17 Sold (Public Records) $362,500 Public Records
• 2023-04-14 Sold (MLS) $362,500 Metro Search MLS
• 2023-04-02 Pending — Metro Search MLS
• 2023-03-07 Relisted — Metro Search MLS
• 2023-03-06 Listing Removed — Metro Search MLS
• 2023-02-12 Contingent — Metro Search MLS
• 2022-09-21 Price Changed $405,900 Metro Search MLS
• 2022-09-21 Price Changed $399,900 Metro Search MLS
• 2022-09-21 Price Changed $384,900 Metro Search MLS
• 2022-09-21 Price Changed $375,000 Metro Search MLS
• 2022-09-21 Price Changed $385,500 Metro Search MLS
• 2022-09-20 Listed $409,900 Metro Search MLS
• 2019-04-23 Sold (MLS) $200,000 Metro Search MLS
• 2019-03-06 Pending — Metro Search MLS
• 2018-08-29 Price Changed $215,000 Metro Search MLS
• 2018-08-29 Price Changed $239,900 Metro Search MLS
• 2018-08-29 Price Changed $244,900 Metro Search MLS
• 2018-08-29 Price Changed $219,900 Metro Search MLS
• 2018-08-29 Price Changed $224,900 Metro Search MLS
• 2018-08-28 Listed $249,900 Metro Search MLS
• 2017-10-05 Listing Removed — Metro Search MLS
• 2017-07-27 Listed $274,900 Metro Search MLS
• 2017-07-27 Price Changed $269,900 Metro Search MLS
• 2017-07-27 Price Changed $264,900 Metro Search MLS
• 2010-04-16 Listing Removed — Metro Search MLS
• 2010-03-15 Listed $275,000 Metro Search MLS
• 2010-03-12 Listing Removed — Metro Search MLS
• 2009-07-06 Listed $279,650 Metro Search MLS
• 2007-10-30 Sold (Public Records) $282,000 Public Records
• 2007-10-25 Sold (MLS) $282,000 Metro Search MLS
• 2007-09-03 Listed $299,900 Metro Search MLS
• 2005-01-31 Sold (MLS) $200,000 Metro Search MLS
• 2005-01-10 Listed $229,900 Metro Search MLS
• 2005-01-10 Listing Removed — Metro Search MLS
• 2004-11-10 Listed $229,900 Metro Search MLS
• 2004-11-10 Listing Removed — Metro Search MLS
• 2004-09-20 Listed $239,900 Metro Search MLS

Property tax history

+4.1%/yr

Latest (2025): $4,046 · -1.9% YoY. Source: county tax records.