The Payne House: A Legacy of History, Reimagined for Today
Step into living history with this exceptional 1922 Greek Revival estate. Built by John Payne, a veteran of the War of 1812, The Payne House is not just a residence--it is a one-of-a-kind masterpiece where centuries of character meet 21st-century luxury. Situated on 1.2 acres of serene riverfront, this property has been restored with an unwavering commitment to its architectural roots while integrating every modern convenience.
Inside, discover a seamless blend of past and present. The kitchen is a testament to thoughtful design, featuring custom cabinetry, luxurious leathered granite countertops, and a massive island. A stunning focal point is the custom range hood, meticulously crafted from the home's original timber. Throughout the house, history has been honored; the original kitchen fireplace, once hidden behind drywall for years, has been restored to its former glory, showcasing its original mantel.
The primary suite serves as your private sanctuary, offering floor-to-ceiling windows with picturesque views of the river and private grounds. The original hardwood floors are currently protected by carpet, the adjoining room has been transformed into a spa-like retreat, boasting a massive walk-in shower and a spectacular, oversized closet. This is more than a home; it is a rare opportunity to own a piece of heritage, fully prepared for the future.
Home also features an apartment which would be perfect for a mother-in-law suite, small business, teenage retreat or an extra income producer. It does not have full kitchen appliances but does feature a full bath.
For sale
Price cut: $50K (8/17)
$899,999
403 E High St, Warsaw, KY 41095
4beds
2,710sqft
Single Family Residence, Residential
Built in 1822
1.29 Acres Lot
$856,300 Zestimate®
$332/sqft
$-- HOA
What's special
Spectacular oversized closetOriginal hardwood floorsCustom cabinetryLuxurious leathered granite countertopsMassive island
- 40 days
- 298
- 6
Zillow last checked:
Listing updated:
Listed by:
JoLynn Johnston 859-760-4418,
e-Merge Real Estate Victory
Source: NKMLS,MLS#: 644995
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 4
Primary bedroom
- Features: Bath Adjoins, Carpet Flooring, Dressing Area, Fireplace(s), Hardwood Floors, Walk-In Closet(s)
- Level: First
- Area: 255
- Dimensions: 17 x 15
Bedroom 2
- Features: Ceiling Fan(s), Luxury Vinyl Flooring
- Level: Second
- Area: 290.5
- Dimensions: 16.6 x 17.5
Bedroom 3
- Features: Ceiling Fan(s), Luxury Vinyl Flooring
- Level: Second
- Area: 289
- Dimensions: 17 x 17
Entry
- Features: Entrance Foyer, Hardwood Floors
- Level: First
- Area: 455
- Dimensions: 35 x 13
Kitchen
- Features: Ceramic Tile Flooring, Eat-in Kitchen, Fireplace(s), Kitchen Island, Solid Surface Counters, Wood Cabinets, Walk-Out Access
- Level: First
- Area: 210
- Dimensions: 15 x 14
Laundry
- Features: Walk-Out Access, Tile Flooring
- Level: First
- Area: 220
- Dimensions: 22 x 10
Living room
- Features: Fireplace(s), Hardwood Floors, Built-in Features, Bookcases, Ceiling Fan(s)
- Level: First
- Area: 216
- Dimensions: 18 x 12
Primary bath
- Features: Ceramic Tile Flooring, Double Vanity, Shower, Tile Flooring
- Level: First
- Area: 134.1
- Dimensions: 14.9 x 9
Heating
- Forced Air, Electric
Cooling
- Central Air
Appliances
- Included: Stainless Steel Appliance(s), Electric Oven, Electric Range, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer
- Laundry: Electric Dryer Hookup, Main Level, Washer Hookup
Features
- See Remarks, Kitchen Island, Walk-In Closet(s), High Speed Internet, Granite Counters, Entrance Foyer, Double Vanity, Crown Molding, Chandelier, Bookcases, Built-in Features, Ceiling Fan(s), High Ceilings, Natural Woodwork, Master Downstairs
- Doors: Pocket Door(s), Multi Panel Doors
- Number of fireplaces: 1
- Fireplace features: Gas
Interior area
- Total structure area: 2,710
- Total interior livable area: 2,710 sqft
Property
Parking
- Parking features: Driveway
- Has uncovered spaces: Yes
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered, Patio, Porch
- Exterior features: Private Yard
- Has view: Yes
- View description: River
- Has water view: Yes
- Water view: River
- Waterfront features: Waterfront
Lot
- Size: 1.29 Acres
- Features: Cleared
Details
- Additional structures: Shed(s)
- Parcel number: 13A3604
- Zoning description: Residential
Construction
Type & style
- Home type: SingleFamily
- Architectural style: See Remarks
- Property subtype: Single Family Residence, Residential
Materials
- Brick
- Foundation: Stone
- Roof: Shingle
Condition
- Existing Structure
- New construction: No
- Year built: 1822
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Propane, Sewer Available, Water Available
Community & HOA
HOA
- Has HOA: No
Location
- Region: Warsaw
Financial & listing details
- Price per square foot: $332/sqft
- Tax assessed value: $150,000
- Annual tax amount: $1,596
- Date on market: 7/23/2026
- Cumulative days on market: 41 days
- Road surface type: Paved
Estimated market value
$856,300
$813,000 - $899,000
$2,858/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/17/2026 | Price change | $899,999-5.3%$332/sqft |
Source:  NKMLS #644995 Report a problem | ||
| 7/23/2026 | Listed for sale | $950,000+512.9%$351/sqft |
Source: NKMLS #644995 Report a problem | ||
| 6/24/2019 | Listing removed | $155,000$57/sqft |
Source: Keller Williams Realty Services #527720 Report a problem | ||
| 6/9/2019 | Pending sale | $155,000$57/sqft |
Source: Keller Williams Realty Services #527720 Report a problem | ||
| 6/7/2019 | Listed for sale | $155,000$57/sqft |
Source: Keller Williams Realty Services #527720 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $1,596 -0.7% | $150,000 |
| 2023 | $1,608 -0.4% | $150,000 |
| 2022 | $1,614 -0.7% | $150,000 |
| 2021 | $1,626 -29% | $150,000 -26.8% |
| 2018 | $2,290 +0.5% | $205,000 |
| 2017 | $2,278 | $205,000 |
| 2016 | $2,278 | $205,000 |
| 2014 | $2,278 | $205,000 |
| 2011 | $2,278 | $205,000 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: 41095
Nearby schools
Schools provided by the listing agent
- Elementary: Gallatin County Elementary
- Middle: Gallatin County Middle School
- High: Gallatin County High
Source: NKMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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