Mt Sterling Homes under $400,000

Mt Sterling Homes under $400,000

Welcome to Mt. Sterling, Kentucky, a charming city nestled in the heart of Montgomery County. Known for its picturesque landscapes and friendly community, Mt. Sterling offers a perfect blend of small-town charm and modern conveniences. With a rich history dating back to the late 1700s, this city boasts beautiful architecture, vibrant local businesses, and a strong sense of community spirit.

One of the many reasons residents love Mt. Sterling is the affordability of housing. If you're searching for a home under $400,000, you’re in luck! The real estate market here features a diverse array of options, from cozy bungalows to spacious family homes. Whether you’re a first-time buyer, looking to downsize, or seeking an investment opportunity, Mt. Sterling has something for everyone. With a variety of neighborhoods to choose from, you’ll find homes that offer not just comfort, but also a sense of belonging.

Outdoor enthusiasts will appreciate the nearby parks and recreational areas, perfect for hiking, picnicking, and enjoying nature. The city is also home to excellent schools, making it an ideal place for families. Plus, with easy access to major highways, commuting to nearby cities is a breeze.

Discover the charm of Mt. Sterling, where affordable living meets a welcoming community. Explore our listings today and find your dream home in this delightful Kentucky town!

Newest Mt Sterling Homes under $400,000

1322 Shadelawn Dr, Mt Sterling
$289,900
3 Beds ⋅ 2 Baths ⋅ 26027361 MLS
Welcome to 1322 Shadelawn, a three-bedroom, two-bath ranch tucked away on a quiet cul-de-sac in a highly desirable neighborhood. Inside, you'll find an updated kitchen and bathrooms, a new HVAC system, and a functional layout designed for easy one-level living. The four-season room provides additional living space and leads out to an oversized covered back deck, perfect for entertaining or relaxing while overlooking the large, fully fenced backyard. With plenty of indoor and outdoor space, thoughtful updates, and a location that's hard to beat, this home is ready for its next owner to make it their own.

1322 Shadelawn Dr, Mt Sterling
42 Samuels Avenue, Mt Sterling
$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
3833 Levee Road, Mt Sterling
$399,000
3 Beds ⋅ 2 Baths ⋅ 26027287 MLS
Welcome home to 3833 Levee Road! This beautifully remodeled ranch offers the perfect blend of updated living, peaceful country surroundings, and a convenient location—all situated on approximately 16 acres! Featuring 3 bedrooms, 2 full bathrooms, and 1,970 sq. ft. of living space, this home offers a spacious and comfortable layout with stylish updates throughout. The kitchen features white cabinetry, stainless steel appliances, generous counter space, and a large island with additional seating. The open dining and living areas provide plenty of room for gathering, while the beautifully updated bathrooms add a modern touch, including a tiled walk-in shower and double vanity. Outside is where this property truly shines! Enjoy approximately 16 acres of beautiful Kentucky countryside along with a barn, silo, and detached 2-car garage offering plenty of room for vehicles, equipment, hobbies, or storage. With a combination of open acreage, mature trees, multiple outbuildings, and scenic views, there is so much to enjoy. And the location? You get the best of both worlds! Located only about 3 miles down Levee Road, you're conveniently close to town while still enjoying your own private slice of the countryside. A remodeled home, 16 acres, barn, garage, privacy AND convenience—3833 Levee Road has it all!

3833 Levee Road, Mt Sterling
128 Hawk Lane, Mt Sterling
$389,900
4 Beds ⋅ 3 Baths ⋅ 26027191 MLS
Brand NEW and ready for YOU! Introducing The Winstar, The Flats @ Phoenix Hill's first-ever TWO-STORY home! This modern floor plan offers 4 bedrooms, 2.5 baths, and approximately 1,950 sq. ft. of thoughtfully designed living space. The first floor features an open-concept living room with a cozy gas fireplace, dining area, and beautiful kitchen with an island, stainless steel appliances, custom cabinetry, granite countertops, and pantry. You'll also find a convenient half bath and separate utility room on the main level. Head upstairs to the spacious Primary Suite featuring a trey ceiling and walk-in closet, along with three additional bedrooms and another full bath. Neutral finishes, LVP flooring throughout, granite countertops, and custom cabinetry give this home a fresh, modern look that's ready for your personal touch. Outside, enjoy a large covered front porch and a covered rear porch backing up to green space perfect for relaxing or entertaining. The Winstar is something NEW for The Flats @ Phoenix Hill, and it's truly ready to welcome you HOME! BUY NOW and take advantage of $5000 closing cost allowance!

128 Hawk Lane, Mt Sterling
132 Hawk Lane, Mt Sterling
$379,900
4 Beds ⋅ 2 Baths ⋅ 26027189 MLS
Introducing The Blackwood, one of the newest floor plans offered at The Flats @ Phoenix Hill! This beautiful new construction, 1.5 story home offers approximately 1,900 sq. ft. with 4 bedrooms and 2 full baths, combining modern finishes with a spacious and functional design. Step inside through the inviting foyer and take in the open-concept living room featuring a cozy gas fireplace, a beautiful kitchen with island and stainless steel appliances, and a spacious dining area perfect for everyday living and entertaining. The main level features the Primary Suite complete with crown molding, a walk-in closet, and private ensuite with double vanity and stand-up shower, along with two additional bedrooms and another full bath. Head upstairs and you'll find the MASSIVE fourth bedroom—a versatile space large enough to serve as a bedroom, bonus room, home office, or even a combination! Throughout the home you'll find modern fixtures and finishes including LVP flooring, neutral colors, granite countertops, and custom cabinetry. A separate laundry room adds convenience, while outside you'll love the covered rear porch overlooking peaceful green space and a charming front porch that simply screams WELCOME HOME! The Blackwood is fresh, functional, and ready to become your new favorite floor plan at The Flats @ Phoenix Hill. ! BUY NOW and take advantage of $5000 closing cost allowance!

132 Hawk Lane, Mt Sterling
812 Elmwood Dr, Mt Sterling
$229,900
3 Beds ⋅ 1 Baths ⋅ 26027153 MLS
Welcome to 812 Elmwood Drive! This one-owner home has been exceptionally well maintained and lovingly cared for over the years. While some of the finishes are original, their condition is a true testament to just how well this home has been kept. Enjoy easy one-level living with a functional layout, along with a newer roof and HVAC system. The unfinished walkout basement offers incredible potential to nearly double the home's finished living space and customize it to fit your needs. Outside, you'll find a large, fully fenced backyard with plenty of room to enjoy. Conveniently located in an established Mount Sterling neighborhood close to shopping, dining, schools, and everyday amenities. A rare opportunity to own a home that has been cared for by the same owner from the very beginning!

812 Elmwood Dr, Mt Sterling
215 Antwerp Avenue, Mt Sterling
$190,000
3 Beds ⋅ 2 Baths ⋅ 26027094 MLS
Welcome to 215 Antwerp Ave! This 3-bedroom, 2-bath home checks several boxes buyers are looking for, including a basement, fenced backyard, and whole-home Generac generator. The basement provides valuable additional space for storage, a home gym, workshop, or future living space, while the fenced backyard is perfect for pets, entertaining, or simply enjoying your own private outdoor space. The Generac generator provides added peace of mind with dependable backup power when you need it. Conveniently located near downtown Mount Sterling, shopping, dining, and I-64, this home combines space, functionality, and a great location. Schedule your showing today!

215 Antwerp Avenue, Mt Sterling
180 Mallard Dr, Mt Sterling
$298,000
3 Beds ⋅ 2 Baths ⋅ 26027070 MLS
A fresh start feels especially inviting in this newly listed three-bedroom, two-bathroom home, where crisp updates and flexible spaces make settling in refreshingly simple. New carpet adds softness underfoot, while fresh paint throughout creates a clean backdrop for your furnishings, art, and personality. In the kitchen, under-cabinet lighting brightens meal preparation and adds a polished glow after dinner. The primary bedroom includes a spacious closet, offering welcome room to keep wardrobes organized and mornings moving. Two additional bedrooms can adapt for guests, work, hobbies, or everyday needs, and two full bathrooms help everyone stay on schedule. The basement expands the home's potential, whether you picture storage, a workshop, an exercise area, or a future recreation space. Outside, the front porch provides a cheerful perch for coffee and conversation, while the back deck is ready for grilling and relaxed evenings. A new rear storm door is a practical finishing touch. Even better, the driveway wraps around behind the house, making access and parking more convenient—a small detail that can make a big difference. Jeffersonville Park is nearby, and weekend adventures at Red River Gorge or Cave Run Lake are approximately 45 minutes away. Montgomery County High School is also within driving distance. Fresh, functional, and full of possibilities, this home is ready for its next owner. Arrange your private tour today and come imagine what your life could look like here.

180 Mallard Dr, Mt Sterling
106 Ronameki Dr, Mt Sterling
$195,000
3 Beds ⋅ 2 Baths ⋅ 26026966 MLS
Welcome home to this classic 3-bedroom, 1.5-bathroom brick ranch boasting 1,595 square feet of single-story living space. Generously sized bedrooms offer ample closet space, large windows for natural light, and a flexible setup for a home office or guest room. Combining timeless curb appeal with a highly functional layout, this home offers a lot, whether you are looking to purchase your first home, downsize into seamless one-story living, or find a solid property with great bones to add your personal updates. Situated on a lovely lot with plenty of outdoor space, it stands ready to welcome its next owners. Listing agent is related to seller

106 Ronameki Dr, Mt Sterling
1120 Oriole Avenue, Mt Sterling
$269,900
4 Beds ⋅ 2 Baths ⋅ 26026577 MLS
Here is a lovely split-level home in a rural subdivision which backs up to farmland and lies just outside Mount Sterling! Step inside to find a sizable living room with a convenient and beautifully updated kitchen. There are 3 spacious brightly-lit bedrooms upstairs, with a roomy full bathroom. On the lower level, you will find another expansive living area with a separate entrance, which was used as a home office space. The extra downstairs bedroom will give even you more flexibility, and could easily be converted, for convenience and privacy, to a primary suite in combination with the adjacent laundry area and half-bath combo. A walk-in closet was added downstairs recently for even more convenience. This home has a great floor plan, and is ready to be taken to the next level! Check it out today!

1120 Oriole Avenue, Mt Sterling
105 Crystal Springs Dr, Mt Sterling
$369,900
4 Beds ⋅ 2 Baths ⋅ 26026456 MLS
Ready to move into!!! Great Location Halfway Between Mt. Sterling and Owingsville, close to Factories. 1,846 SF Brick Home with 4 Bedrooms, 2 Baths, Great Room with Beautiful Rock Wood Burning Fireplace, Dining Area, Kitchen has Pantry, Nice Appliances and a Breakfast Nook. Primary Bedroom is on the opposite Side of the House from the other Bedrooms, The Primary Bath is off the Primary Bedroom and has a Jacuzzi Tub and a Separate Stand-up Shower. There are 3 Bedrooms and a Bath on the other side of the House. The Bedrooms have Walk-in Closets. Home has Lots of Storage. This Beautiful Home sets on a Gorgeous 2.07 Acre Landscaped Lot and has a 2 Car Garage and a Large Rear Patio. If You're Looking for a Nice Home in a Wonderful Subdivision with a Country Setting YOU HAVE FOUND IT!!!!!

105 Crystal Springs Dr, Mt Sterling
38 Johnson Avenue, Mt Sterling
$309,900
4 Beds ⋅ 2 Baths ⋅ 26026358 MLS
Cute, cozy, and charming are the three words that immediately come to mind with this beautiful Craftsman-style bungalow in downtown Mt. Sterling! Fully renovated in 2016 and still in pristine condition, this home perfectly blends classic character with modern updates. Inside, you'll find 4 bedrooms, 2 full baths, a welcoming living room with an electric fireplace, dining area, and a beautiful kitchen featuring an island, pantry, and cozy gas-log fireplace. A convenient utility area adds to the functionality, while the unfinished basement provides plenty of additional storage space. Step outside and enjoy even more! The property offers a detached two-car garage, storage shed, inviting covered front porch, and a rear covered patio overlooking the backyard—the perfect spot to relax, entertain, or enjoy your morning coffee. With its charming style, thoughtful updates, convenient downtown location, and truly move-in-ready condition, this home is just waiting for its next owner to arrive, unpack, and start making memories. This one is sure to please.

38 Johnson Avenue, Mt Sterling
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