Downtown Homes under $400,000

Downtown Homes under $400,000

Welcome to Downtown, Kentucky – a vibrant and dynamic subdivision that beautifully blends urban living with a warm, community-oriented atmosphere. Nestled in the heart of the Bluegrass State, Downtown is not just a place to live; it’s a lifestyle choice that offers the perfect mix of convenience, culture, and charm.

One of the standout features of Downtown is its diverse array of homes available for under $400,000. Whether you're a first-time homebuyer, a growing family, or looking to downsize, you’ll find a variety of options that cater to your needs and budget. From cozy bungalows to modern townhomes, each property showcases unique architectural styles and inviting interiors, making it easy to find a place that feels like home.

Living in Downtown means you’re just steps away from an eclectic mix of shops, restaurants, and entertainment venues. Enjoy leisurely strolls along tree-lined streets, where you can discover local boutiques and enjoy a delicious meal at one of the many eateries that reflect the rich culinary heritage of Kentucky. The community is also known for its vibrant arts scene, with galleries and theaters that host events year-round.

Families will appreciate the proximity to quality schools and parks, providing ample opportunities for outdoor activities and recreation. With its friendly atmosphere and active community involvement, Downtown is the perfect place to create lasting memories.

Explore the charm of Downtown, KY, where affordable homes meet an exciting lifestyle. Your dream home awaits!

Newest Downtown Homes under $400,000

213 E Broadway St, Winchester
$200,000
3 Beds ⋅ 1 Baths ⋅ 26027397 MLS

213 E Broadway St, Winchester
709 W Main St, Richmond
$235,000
3 Beds ⋅ 2 Baths ⋅ 26027385 MLS
They simply don't make them like this anymore. This beautiful 100+ year-old downtown home is filled with timeless character and craftsmanship that buyers love in a historic property. Gorgeous hardwood floors, tall ceilings, wide baseboards, detailed trim, paneled doors, a classic staircase, and a traditional fireplace showcase the charm of a bygone era, while spacious rooms and abundant natural light make the home feel warm and inviting. The character continues throughout with vintage architectural details and classic bath features that complement the home's history. Outside, enjoy a welcoming covered front porch, perfect for taking in the neighborhood, or retreat to the covered back porch for a little more peace and privacy. A long driveway, generous yards, and a detached garage/outbuilding provide additional space for parking, storage, hobbies, or a workshop. With its downtown location close to shopping, dining, local businesses, and community activities, this is a special opportunity to own a home with history, charm, and personality that simply can't be duplicated.

709 W Main St, Richmond
350 E Short St Unit 211, Lexington
$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
2015 Old Main St, Maysville
$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
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
507 N Lexington Ave, Wilmore
$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
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
101 Robin Ln, Carlisle
$175,000
3 Beds ⋅ 1 Baths ⋅ 26027051 MLS
Located on a spacious corner lot of over half an acre in downtown Carlisle, Kentucky, this three bedroom, one bath brick ranch offers convenient one level living with classic features and plenty of outdoor space. The home features beautiful hardwood floors, a metal roof, and a covered front porch that provides a welcoming entrance. A tall crawl space offers additional storage and utility space beneath the home. Outside the property includes an attached carport with an additional storage room, along with an outbuilding. The generous corner lot provides room outdoor activities, gardening, or future possibilities, all within the convenience of the Carlisle city limits. A solid brick ranch with a desirable location and useful features, this property offers an excellent opportunity.

101 Robin Ln, Carlisle
122 Rogers St, Berea
$189,900
3 Beds ⋅ 1 Baths ⋅ 26027047 MLS
This cozy brick home has a carport, metal roof, nice corner lot, mature trees, on a dead in street, laminate flooring, 3 bedrooms/1 bath, large kitchen and living room plus a laundry room . Great location in town Berea Ky

122 Rogers St, Berea
403 Logan Ave, Stanford
$179,900
2 Beds ⋅ 1 Baths ⋅ 26027027 MLS
Charming 2-bedroom, 1-bath home offering 2,256 sq ft of living space on a generous 0.30-acre lot. With its Victorian-inspired character and timeless architectural appeal, this property offers a great opportunity to restore and personalize. The home features original-style details, along with hardwood and tile flooring that add to its character. While the property would benefit from updates, its spacious footprint, attractive lot, and distinctive style provide plenty of potential for the right buyer. A unique opportunity to bring new life to a home with character and room to make it your own.

403 Logan Ave, Stanford
153 Pineview Ln, Carlisle
$239,900
5 Beds ⋅ 2 Baths ⋅ 26026985 MLS
Discover a rare opportunity to own a spacious two-story home with multiple living options and a separate apartment/guest house—perfect for those looking for flexibility, additional space, or income potential. From the moment you step inside, the character shines through with beautiful hardwood floors, original mantels with ceramic tile accents, and generously sized rooms just waiting for your personal touch. Previously configured as two apartments, the main home offers the potential to be converted back, creating exciting possibilities for multi-generational living, rental income, or an owner seeking additional living space. The separate apartment/guest house adds another layer of versatility for guests, extended family, a home office, or additional rental potential. This property offers endless possibilities for its next owner. The main floor offers a spacious kitchen, formal dining and living room. Also, a primary bedroom with a full updated bathroom. Upstairs you will find 4 additional bedrooms and another full bathroom. Bring your vision and make this unique property your own! Seller is offering $2,500 toward buyer's allowable closing costs, prepaid expenses, or other eligible costs with an acceptable offer. This added incentive makes an already appealing property an even greater opportunity for buyers!

153 Pineview Ln, Carlisle
500 W Main St, Mt Vernon
$179,900
3 Beds ⋅ 2 Baths ⋅ 26026946 MLS

500 W Main St, Mt Vernon
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