Downtown Homes under $400,000

**Welcome to Downtown Kentucky: Your Next Home Awaits!**

Nestled in the heart of Kentucky, Downtown is a vibrant and dynamic subdivision that seamlessly blends urban charm with small-town warmth. Known for its rich history, picturesque streets, and a strong sense of community, Downtown offers residents an unparalleled lifestyle that is both convenient and inviting.

One of the most appealing aspects of this area is the accessibility to homes priced under $400,000. Whether you're a first-time homebuyer, a growing family, or looking to downsize, Downtown has a diverse range of options that cater to all needs and budgets. From cozy bungalows to modern townhomes, each property boasts unique architectural features, spacious layouts, and delightful outdoor spaces – perfect for enjoying those beautiful Kentucky evenings.

Living in Downtown means being just steps away from an array of amenities. Explore charming local shops, savor delicious cuisine at trendy restaurants, or unwind in one of the many parks that dot the landscape. The area is also home to a vibrant arts scene, with galleries and theaters that showcase local talent, making it a cultural hub for residents.

Additionally, Downtown's location provides easy access to major highways, ensuring a smooth commute to neighboring cities and attractions. With its friendly atmosphere, affordable housing options, and a wealth of activities, Downtown is not just a place to live; it’s a community to thrive in. Discover your dream home today and experience all that Downtown Kentucky has to offer!

Newest Downtown Homes under $400,000

$225,000

3 Beds ⋅ 2 Baths ⋅ 26027812 MLS

Welcome to this charming 3-bedroom, 1.5-bath home in the heart of downtown Lexington! Built in 2017, this thoughtfully designed home blends modern convenience with the timeless character and charm of the surrounding neighborhood. Inside, you'll find beautiful hardwood flooring throughout and a bright, inviting open-concept layout. The spacious family room with vaulted ceilings flows seamlessly into the kitchen, which features butcher block countertops and subway tile backsplash, creating the perfect space for everyday living and entertaining. Step outside onto the deck to enjoy your own private outdoor retreat. With its ideal downtown location, stylish finishes, and unique blend of character and modern amenities, this special home is truly a rare find. Homes like this don't stay on the market for long!

158 York St, Lexington

Listing courtesy of K Meredith Lane of Bluegrass Sotheby's International Realty.

$192,000

3 Beds ⋅ 2 Baths ⋅ 26027744 MLS

Welcome to 302 Commerce Street -- a beautifully revived 1909 home in the heart of downtown Maysville. This stunning property blends historic charm with the feel of new construction after an extensive renovation throughout. Nearly every major component has been updated, including brand-new water lines, HVAC system, water heater, completely renovated kitchen and two full bathrooms, along with all new flooring, paint, trim, and more. With a fresh gravel lot and convenient off-street parking, this property offers both character and functionality. Inside, you'll find three designated bedrooms, two full bathrooms, and multiple bonus rooms that provide endless possibilities for a home office, playroom, guest space, or additional living area. The spacious layout makes this home feel even larger than expected while maintaining the warmth and character of a historic downtown property.

302 Commerce St, Maysville

Listing courtesy of Meleah Roe of HomeLand Real Estate Inc.

$314,900

4 Beds ⋅ 4 Baths ⋅ 26027731 MLS

Newly completed duplex. Each side is completed with two spacious bedrooms, 1.5 bathrooms, and a nice open living concept. Enjoy the luxury vinyl plank flooring on the first level. Beautiful Cabinetry and access to rear yard. Size lot is great for long-term tenants. Dimensional shingles, city sewer, city water, electric heat pump on each side. Electric water heater. Located conveniently downtown Nicholasville. Do not miss this hard to find opportunity!

510-512 N Central Ave, Nicholasville

Listing courtesy of Maggie C Taylor of RE/MAX Creative Realty.

$299,900

4 Beds ⋅ 2 Baths ⋅ 26027059 MLS

Own a piece of Downtown Cynthiana history in a home that is affectionally known locally as "The Hutchinson House". This is a Victorian era-built home circa 1860 featuring 4 Bedrooms and 2 Bathrooms. As you approach this home you will notice the brick, but not your run of the mill brick facia, these are solid Masonry brick Walls. Step onto a gorgeous half wrap-around porch, with tons of room, that leads into the scenic backyard that unveils two separate seating areas, One, A convenient partially shaded deck, the other, a perfect pergola on a concrete pad. When you open the custom hand-painted front door it will reveal the Grand Foyer with Original 1860s Hardwood flooring and an ornate Staircase!! Leaving the foyer, step into a large living room boasting a carved fireplace and 12-foot-tall ceilings that, like the Hardwood, run throughout this home!!! Continue through into a lovely sitting room that is absolutely perfect for getting cozy and reading your favorite book! Passing the first full bathroom you will find an Expansive kitchen with tons of counter space and cabinets for storage. Completing the downstairs loop brings us to the formal dining room and back to the foyer. Up the stairs the antique Hardwood flooring, carpet and 12-foot-tall ceilings continues to carry throughout. The massive Primary Bedroom is accompanied by more spacious bedrooms, one of which has converted into a substantial primary Closet, and the second full bathroom. Attic access is on this level as well. Schedule a showing and Make this Historic house Your Home!!

418 E Bridge St, Cynthiana

Listing courtesy of Kyle Bibb of Transactionbroker.com.

$125,000

2 Beds ⋅ 1 Baths ⋅ 26027605 MLS

Conveniently located close to town, this 2-bedroom, 1-bath home offers a kitchen and a large laundry area with the potential for an additional bedroom or home office. Detached 1 car garage provides space for parking or storage. This will make an excellent investment property or starter home!

473 E Office St, Harrodsburg

Listing courtesy of Lee Anne Brogle of RM McGinnis, LLC Real Est & Auction Professionals.

$149,900

3 Beds ⋅ 1 Baths ⋅ 26027563 MLS

Coming Soon in Whitley City! This completely remodeled 3-bedroom, 1-bath home is available at just $149,900. Full of beautiful character and charm while still offering the modern updates buyers are looking for, this one is truly move-in ready. Features include HVAC and appliances updated in 2024, a roof approximately 5 years old, a newer water heater, fresh paint throughout, a natural gas fireplace and oven, an accessible primary bedroom and bathroom, and a spacious upstairs walk-in closet. From the double front porch to the charming details throughout, this home is one you'll want to see in person. Stay tuned for more photos!

93 N Main St, Whitley City

Listing courtesy of Reagan Kidd - Buttram of Keller Williams Bluegrass Realty - Lake Cumberland.

$177,900

3 Beds ⋅ 1 Baths ⋅ 26027555 MLS

Downtown Richmond living with space to spread out! This charming 3-bedroom, 1-bath home offers the perfect combination of location, and character! Inside, you'll find a welcoming layout and a kitchen featuring beautiful countertops! The unfinished walkout basement provides tons of possibilities - extra storage, a workshop, hobby space, or room to make your own. Outside, the large backyard is ready for summer cookouts, pets, gardening, or simply relaxing at home. Conveniently located near downtown Richmond, Arlington Golf Course, shopping, dining, and local amenities. Whether you're looking for your first home, your next home, or an investment opportunity - this one checks all the boxes!

105 Bennett Pl, Richmond

Listing courtesy of Taylor Caudill of The Real Estate Co..

$200,000

3 Beds ⋅ 1 Baths ⋅ 26027397 MLS

213 E Broadway St, Winchester

Listing courtesy of Nik Markovich of GSP Homes.

$360,000

2 Beds ⋅ 2 Baths ⋅ 26027351 MLS

Improved price! Great opportunity to secure a turn-key condo in a highly sought-after Lexington neighborhood.This 2 bedroom 2 bath condo offers modern architectural bones with it's 11ft metal deck ceilings, open layout, ample bedroom sizes, and beautiful, sweeping natural light through the floor to ceiling window that frames the unit. This condo is perfect for those seeking a sophisticated primary residence or a refined, lock-and-leave lifestyle, the property features easy access to the rooftop patio, steps away from the elevator to the parking garage where you will have one numbered space and a parking sticker for a second vehicle on adjacent parking lot. Rest easy knowing that there is on-site management, a room designated for package delivery (no missed deliveries), and a fully equipped fitness center. Enjoy the absolute best of downtown Lexington living with numerous dining spots, parks, and shopping just outside your door.

350 E Short St Unit 211, Lexington

Listing courtesy of Sara M Morken of Bluegrass Sotheby's International Realty.

$70,000

4 Beds ⋅ 2 Baths ⋅ 26027327 MLS

Big ideas belong here! In the heart of Historic Old Washington, this mixed-use property pairs private living quarters with expansive commercial spaces near gift shops, attractions, and the charming town square. The residential area features bright bedrooms with historic charm, an updated bathroom, and an outdoor shower nestled among bamboo- ideal for exploring live/work or short-term rental possibilities. Large open rooms, gorgeous hardwood floors, and multiple side entrances invite your vision for a shop, studio, gallery, gathering space, or other venture, subject to approvals. Work remains, but the character, space, and setting are ready for your next chapter. Let the virtual staging photos get your imagination going with all this could be. Bring your dreams to this incredible opportunity and see what you could create!

2015 Old Main St, Maysville

Listing courtesy of George Green of Green Team Real Estate Service.

$265,000

4 Beds ⋅ 2 Baths ⋅ 26027296 MLS

Thoughtfully Updated 4BR/2BA in Mount Sterling, KY Welcome to 42 Samuel's Avenue, a beautifully updated 4-bedroom, 2-bathroom home offering plenty of space and move-in-ready style in Mount Sterling, Kentucky. This home has been thoughtfully refreshed throughout, giving you modern updates with a true turnkey feel. Step inside to find new flooring and fresh paint throughout, creating a clean, bright, and inviting atmosphere in every room. New light fixtures and plumbing fixtures add a polished touch, while new tile in the bathrooms brings a stylish, updated look to both spaces. Outside, you'll love the fenced-in backyard, the perfect space for pets, play, or simply relaxing in your own private outdoor retreat. With so many quality updates already done for you, this home offers comfort and convenience from the moment you walk through the door. Schedule your showing today!

42 Samuels Avenue, Mt Sterling

Listing courtesy of Tanner Culver of TNT Realty.

$355,000

2 Beds ⋅ 3 Baths ⋅ 26027231 MLS

Welcome to a beautifully renovated home in the heart of Wilmore! There has been so much thought and care put into this home, and the updates really show. You'll find a brand-new roof and gutters, new premium Everlast exterior siding, and a brand-new Trex front porch that is perfect for sitting and enjoying the neighborhood. The beautiful mahogany front door and new Andersen 400 Series French doors add even more character. Inside, the home has been refreshed throughout with beautiful hardwood floors, updated bathrooms, a completely renovated primary bath with new tile and shower, and a gorgeous new kitchen with new cabinets, quartz countertops and appliances. The main living area features new decorative beams that add a great touch of character. There's also spray-foam insulation in the attic and a brand-new two-car garage with upgraded electrical capacity, giving you plenty of room for vehicles, hobbies, tools and even heavy-duty equipment. And then there's the location! This is the kind of home where you can enjoy what makes Wilmore special right outside your front door—watch the Fourth of July parade right from your porch and enjoy the magic of Wilmore's Old-Fashioned Musical Christmas. There's simply too much to list here—the best way to appreciate all that has been done is to come see it for yourself!

507 N Lexington Ave, Wilmore

Listing courtesy of Adam Matney of Indigo & Co.

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Listings courtesy of Spartanburg Association of Realtors as distributed by MLS GRID. Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.