OFF MARKET

Off market nov 2019 for $127K

$240,401

Est. refi paymentEst. refi $906/mo

•

1,613

sq ft

6403 Montego Bay Rd, Louisville, KY 40228

About this home

Public Remarks: Your new tri-level home is your own piece of comfort in the quiet Whispering Hills neighborhood. You'll enjoy a main floor that serves as your home's central hub, with spacious living room, formal dining room, and kitchen. With sliding doors from your dining room to the back patio, hosting an outdoor get-together or simply a night of grilling out will be a breeze. Likewise, a large family room on your lowest level, with fireplace, will be a great way to host a crowd or to enjoy a night in without bothering anyone sleeping in the bedrooms two levels up. Three bedrooms in total, on the top floor, are more then enough for family or overnight guests. A double-wide driveway and 2-car attached garage provide plenty of parking. Located just minutes from Bardstown Rd and Fern Valley Rd.

Single-familyProperty Type

1975Year Built

7,840 sq ftLot Size

$149Est. Price/Sq.Ft.

2 car garageParking

Listed by Steven Shuff • Keller Williams Collective

Bought with Kathleen Messenger • Keller Williams Collective

Redfin checked: 2 minutes ago

•Source:Metro Search MLS #1543582

Redfin Estimate

$240,401

$113K since sold in November 2019$1,000 since September

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 6.4% lower than the average sale price ($257K) of 6 comparable homes.

SOLD SEP 4, 2026
$299,900
A
3 beds2 baths1,924 sq ft
6217 Lynnchester Dr, Louisville, KY 40219
RE/MAX Premier Properties
SOLD JAN 5, 2026
$195,000
B
3 beds1.5 baths1,606 sq ft
6400 Overton Rd, Louisville, KY 40228
RE/MAX Premier Properties
SOLD SEP 22, 2026
$239,900
C
3 beds1 bath1,335 sq ft
5900 Bluestone Rd, Louisville, KY 40219
Coldwell Banker McMahan
SOLD JUN 3, 2026
$280,000
D
3 beds1.5 baths1,579 sq ft
5917 Whispering Hills Blvd, Louisville, KY 40219
Homepage Realty
SOLD JUN 1, 2026
$257,000
E
2 beds2 baths1,697 sq ft
6305 Linstead Rd, Louisville, KY 40228
Semonin Realtors
SOLD AUG 14, 2026
$270,000
F
3 beds2 baths1,725 sq ft
6937 Norlynn Dr, Louisville, KY 40228
Red Edge Realty

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Earn from this home

Sell

$136,517

Est. take-home

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Refinance

Est. cash available

Get cash now or lower your monthly rate

Rent

$1,783/mo

Redfin rental estimate

List your home for rent

Market trends in 40228, KY

Last updated September 2026

Buyer's Market

Seller's Market

Seller's market

Sale-to-list price

98.4%

0.3% MoM

Median sale price

$292K

$164 MoM

Avg. days on market

35d

1 days MoM

Recently sold homes

1 MoM

New listings for sale

NEW 9 HRS AGO
$240,000
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simpler.realestate
NEW 9 HRS AGO
$267,000
3 beds1 bath1,625 sq ft
7205 Lorenzo Ln, Louisville, KY 40228
GreenTree Real Estate Services
COMING SOON
$420,000
5 beds3 baths2,999 sq ft
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BERKSHIRE HATHAWAY HomeServices, Parks & Weisberg Realtors
OPEN SAT, 1PM TO 4PM
$420,000
5 beds3.5 baths2,556 sq ft
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DRH Realty of Kentucky
OPEN SUN, 2PM TO 4PM
$1
4 beds2.5 baths2,673 sq ft
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Semonin Realtors
$290,000
4 beds2 baths1,619 sq ft
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Red Edge Realty
$225,000
3 beds2.5 baths1,629 sq ft
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Kentucky Select Properties
$255,000
3 beds1.5 baths1,256 sq ft
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RE/MAX Premier Properties
OPEN SUN, 2PM TO 4PM
$307,500
3 beds2 baths1,290 sq ft
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RE/MAX Premier Properties
$199,999
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EXP Realty LLC
See all

Provided by Redfin

Sale history for 6403 Montego Bay Rd

Date

Event

Price

APPFOLIO #1

Jul 25, 2023

Rental Removed

$1,695

$1/sq ft

Jul 16, 2023

Listed for Rent

$1,695

$1/sq ft

Metro Search MLS #1619068

Aug 15, 2022

Listing Removed

—

Aug 5, 2022

Listed

$265,000

$164/sq ft

Aug 5, 2022

Price Changed

$265,000

$164/sq ft

Metro Search MLS #1543582

Nov 20, 2019

Sold

$127,500

$79/sq ft

Nov 5, 2019

Pending

—

Nov 4, 2019

Relisted

—

Nov 4, 2019

Price Changed

$127,500

$79/sq ft

Oct 21, 2019

Pending

—

Oct 21, 2019

Listing Removed

—

Oct 21, 2019

Price Changed

$152,000

$94/sq ft

Oct 10, 2019

Relisted

—

Oct 10, 2019

Price Changed

$145,000

$90/sq ft

Sep 21, 2019

Pending

—

Sep 19, 2019

Listed

$150,000

$93/sq ft

Year

Property tax

Land + Additions

Assessment*

2025

$1,952 (+34.4%)

$34,000 + $140,150

$174,150

2024

$1,453 (−2.8%)

$34,000 + $140,150

$174,150

2023

$1,494 (−0.3%)

$40,000 + $86,860

$126,860

2022

$1,499 (−7.8%)

$40,000 + $86,860

$126,860

2021

$1,626 (+7.4%)

$40,000 + $86,860

$126,860

2020

$1,513 (+7.5%)

$29,000 + $98,500

$127,500

2019

$1,408 (+1.2%)

$29,000 + $98,500

$127,500

2018

$1,391 (+43.5%)

$29,000 + $100,910

$129,910

2017

$969 (+13.3%)

$29,000 + $100,910

$129,910

2015

$855 (−1.2%)

$22,000 + $95,800

$117,800

2014

$865

$22,000 + $95,800

$117,800

2013

$865

$22,000 + $95,800

$117,800

Tax history for 6403 Montego Bay Rd

Year

Property tax

Land + Additions

Assessment*

2025

$1,952 (+34.4%)

$34,000 + $140,150

$174,150

2024

$1,453 (−2.8%)

$34,000 + $140,150

$174,150

2023

$1,494 (−0.3%)

$40,000 + $86,860

$126,860

2022

$1,499 (−7.8%)

$40,000 + $86,860

$126,860

2021

$1,626 (+7.4%)

$40,000 + $86,860

$126,860

2020

$1,513 (+7.5%)

$29,000 + $98,500

$127,500

2019

$1,408 (+1.2%)

$29,000 + $98,500

$127,500

2018

$1,391 (+43.5%)

$29,000 + $100,910

$129,910

2017

$969 (+13.3%)

$29,000 + $100,910

$129,910

2015

$855 (−1.2%)

$22,000 + $95,800

$117,800

2014

$865

$22,000 + $95,800

$117,800

2013

$865

$22,000 + $95,800

$117,800

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Public record
Permits

Beds

—

Baths

—

Stories

—

Lot width

—

Lot depth

—

Lot size

8,028 Sq. Ft.

Year renovated

1975

Sq. Ft.

—

Year built

1975

Style

Single Family Residential

County

Jefferson County

APN

23205900320000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Sep 8, 2026.

Property details

Parking

Parking Information
Garage Spaces: 2.0
Parking Features: Attached, Entry Front

Interior

Bedroom Information
Bedrooms Total: 3
First Floor PBR: No
# Upper Floor Bedrooms: 0.0
# 2nd Floor Bedrooms: 3.0
# 1st Floor Bedrooms: 0.0
# Basement Bedrooms: 0.0

Bathroom Information
Bathrooms Full: 1
Bathrooms Half: 1
Full Bathroom: Yes
Full Bathroom Level: Second
Half Bathroom: Yes
Half Bathroom Level: Basement

Kitchen & Dining Information
Dining Room: Yes
Dining Room Level: First
Kitchen: Yes
Kitchen Level: First

Interior Features
# of Rooms: 8
# of Closets: 3

Living Areas
Family Room: Yes
Family Room Level: Basement
Living Room: Yes
Living Room Level: First

Other Room Information
# of Rooms: 8
Rooms Total: 10
Basement Y/N: Yes
Basement: Finished
Bedroom: Yes
Bedroom Level: Second
Dining Room: Yes
Dining Room Level: First
Fireplaces Total: 0
Full Bathroom: Yes
Full Bathroom Level: Second
Half Bathroom: Yes
Half Bathroom Level: Basement
Kitchen: Yes
Kitchen Level: First
Laundry: Yes
Laundry Level: Basement
First Floor Laundry: No

Room 1 Information
Room 1 Description: 2 Windows; Open to Dining; Closet
Room 1 Length: 13.83
Room 1 Level: First
Room 1 Type: Living Room
Room 1 Width: 17.33

Room 2 Information
Room 2 Description: Charrail Moulding; Patio & Garage Access
Room 2 Length: 11.00
Room 2 Level: First
Room 2 Type: Dining Room
Room 2 Width: 10.83

Room 3 Information
Room 3 Description: Window; Pantry Closet; Ceiling Light
Room 3 Length: 9.75
Room 3 Level: First
Room 3 Type: Kitchen
Room 3 Width: 8.33

Room 4 Information
Room 4 Description: 2 Windows; Closet; Wood Floor
Room 4 Length: 11.42
Room 4 Level: Second
Room 4 Type: Bedroom
Room 4 Width: 13.33

Room 5 Information
Room 5 Description: Window; Closet; Carpet
Room 5 Length: 11.08
Room 5 Level: Second
Room 5 Type: Bedroom
Room 5 Width: 9.25

Room 6 Information
Room 6 Description: Wide Closet; Window; Carpet
Room 6 Length: 10.00
Room 6 Level: Second
Room 6 Type: Bedroom
Room 6 Width: 9.67

Room 7 Information
Room 7 Description: Tub w/ Handrails; Linen Closet
Room 7 Length: 10.00
Room 7 Level: Second
Room 7 Type: Full Bathroom
Room 7 Width: 4.92

Room 8 Information
Room 8 Description: Brick fireplace;2 Windows;Additional Nook (10'x9')
Room 8 Length: 15.17
Room 8 Level: Basement
Room 8 Type: Family Room
Room 8 Width: 18.92

Room 9 Information
Room 9 Description: Unfinished; Breaker Box; Utilities; Window
Room 9 Length: 10.08
Room 9 Level: Basement
Room 9 Type: Laundry
Room 9 Width: 8.92

Room 10 Information
Room 10 Description: Wall Mounted Light Fixture; Handrails
Room 10 Length: 6.58
Room 10 Level: Basement
Room 10 Type: Half Bathroom
Room 10 Width: 2.92

Exterior

Land Information
Fencing: Chain Link
Fencing: Chain Link: Yes

Lot Description
Lot Size Acres: 0.18
Lot Size Area: 0.18
Lot Size Units: Acres

Property Information
Property Sub Type: Single Family Residence
Residential
Architectural Style: Tri-Level

Subdivision / Condo Amenities
Subdivision Name: SHALLOW CREEK

Building Information
Building Area Source: Other
Building Area Total: 1073.0
Stories: 2
Year Built: 1975
Roof: Shingle
Construction Materials: Wood Frame
Above Grade Finished: 1,073
Below Grade Finished: 540
Living Area: 1613.0

Financial

Tax Information
Tax Block: 2059
Tax Lot: 0032

Utilities

Utility Information
Utilities: Electricity Connected, Fuel:Natural

Heating
Heating Y/N: Yes
Heating: Heat Pump

Cooling
Cooling Y/N: Yes
Cooling: Central Air, Heat Pump

Location

HOA Information
Association Fee: 15.0
Association Y/N: Yes

Neighborhood Information
Subdivision Name: SHALLOW CREEK

Location Information
Directions: Fern Valley Rd to Fegenbush Ln. Right onto Fenwick Way. Right onto Mandeville Rd. Right onto Montego Bay Rd.

Public facts

Beds: —
Baths: —
Sq. Ft.: —
Stories: —
Lot Size: 8,028 square feet
Style: Single Family Residential
Year Built: 1975
Year Renovated: 1975
County: Jefferson County
APN: 23205900320000

Home facts updated by county records on Sep 8, 2026

Around this home

Schools

Luhr Elementary School

Public K-5 • Assigned • 0.7mi

5/10

Marion C. Moore School

Public 6-12 • Assigned • 1.1mi

3/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

5/10 Heat Factor

7 days above 104° expected this year, 19 days in 30 years

2/10 Wind Factor

2% chance of strong winds in next 30 years

3/10 Air Factor

2 unhealthy days expected this year, 5 days in 30 years

Provided by First Street

Historical weather

Louisville, KY • 40228

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 9.3 hours in June and 3.6 hours in December, placing it below the U.S. average for solar exposure.

9.3 hrs

3.6 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$229,000 – $277,000

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Home values near 6403 Montego Bay Rd

Data from public records.

Address	Redfin Estimate
6317 Montego Bay Rd, Louisville, KY 4 Beds \| 2.5 Baths \| 1334 Sq. Ft.	$259,537
6318 Montego Bay Rd, Louisville, KY 5 Beds \| 3 Baths \| 2156 Sq. Ft.	$302,312

Address	Redfin Estimate
6319 Montego Bay Rd, Louisville, KY 3 Beds \| 1.5 Baths \| 1581 Sq. Ft.	$255,116
6410 Montego Bay Rd, Louisville, KY 3 Beds \| 1.5 Baths \| 1440 Sq. Ft.	$271,516

Address	Redfin Estimate
6405 Montego Bay Rd, Louisville, KY 3 Beds \| 1.5 Baths \| 1152 Sq. Ft.	$248,991
6408 Montego Bay Rd, Louisville, KY 3 Beds \| 2 Baths \| 1636 Sq. Ft.	$290,466

Property information provided by undefined .

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GreatSchools Ratings provided by GreatSchools.org.

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About this home

Redfin Estimate

Earn from this home

Market trends in 40228, KY

Sale history for 6403 Montego Bay Rd

Tax history for 6403 Montego Bay Rd

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 40228

Home values near 6403 Montego Bay Rd

More real estate resources