For sale

$248,000

640 Ervay Ave, Louisville, KY 40217

3beds

1,168sqft

$1,659/mo

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Single Family Residence

Built in 1920

0.25 Acres Lot

$236,300 Zestimate^®

$212/sqft

$-- HOA

What's special

Brick-faced fireplaceCozy family roomWell-appointed kitchenCovered front porchHardwood floorsDining roomFully fenced backyard

Charming and full of warmth, this inviting home welcomes you from the covered front porch into a bright and cheerful living room featuring hardwood floors, a brick-faced fireplace, and windows that bathe the space in natural light. The flexible first-floor bedroom is currently used as a cozy family room, while the main level also offers a dining room, a well-appointed kitchen, and a full tiled bath. The kitchen is designed for both function and style, with abundant cabinetry and counter space, a tray ceiling with recessed lighting, and direct access to the rear deck—perfect for enjoying the fully fenced backyard. Upstairs, you'll find two generously sized bedrooms along with a second full tiled bath. Additional storage is easily accessible via pull-down attic stairs in the hallway. The unfinished basement provides excellent potential and has been thoughtfully updated with glass block windows and screens. The home features a high efficiency gas furnace and updated panel box.

101 days

312

20

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 3
Bathrooms: 2
Full bathrooms: 2

Bedroom

Level: Second

Bedroom

Level: Second

Bedroom

Level: First

Full bathroom

Level: First

Full bathroom

Level: Second

Dining room

Description: Formal
Level: First

Kitchen

Level: First

Laundry

Level: Basement

Living room

Level: First

Heating

Forced Air, Natural Gas

Cooling

Central Air

Features

Basement: Unfinished
Number of fireplaces: 1

Interior area

Total structure area: 1,168
Total interior livable area: 1,168 sqft
Finished area above ground: 1,168
Finished area below ground: 0

Property

Parking

Parking features: On Street, Off Street
Has uncovered spaces: Yes

Features

Stories: 2
Patio & porch: Porch
Fencing: Full

Lot

Size: 0.25 Acres
Dimensions: 37 x 114
Features: Level

Details

Parcel number: 0

Construction

Type & style

Home type: SingleFamily
Architectural style: Bungalow
Property subtype: Single Family Residence

Materials

Vinyl Siding, Stucco
Foundation: Concrete Perimeter
Roof: Shingle

Condition

Year built: 1920

Utilities & green energy

Sewer: Public Sewer
Water: Public
Utilities for property: Electricity Connected, Natural Gas Connected

Community & HOA

Community

Subdivision: Belmont Heights

HOA

Has HOA: No

Location

Region: Louisville

Financial & listing details

Price per square foot: $212/sqft
Tax assessed value: $225,000
Annual tax amount: $2,889
Date on market: 4/28/2026
Electric utility on property: Yes

Estimated market value

$236,300

$224,000 - $248,000

$1,672/mo

Price history

Date	Event	Price
4/28/2026	Listed for sale	$248,000+10.2%$212/sqft
Source: Metro Search Inc. LLC DBA Apex MLS #1715795 Report a problem
3/31/2022	Listing removed	--
Source: Zillow Rental Manager Report a problem
3/28/2022	Price change	$1,300-11.9%$1/sqft
Source: Zillow Rental Manager Report a problem
3/18/2022	Price change	$1,475-11.9%$1/sqft
Source: Zillow Rental Manager Report a problem
2/28/2022	Listed for rent	$1,675$1/sqft
Source: Zillow Rental Manager Report a problem
2/1/2022	Sold	$225,000$193/sqft
Source: Public Record Report a problem

Public tax history

Year	Property taxes	Tax assessment
2024	$2,889 -4.3%	$225,000
2023	$3,020 +83.2%	$225,000 +85.6%
2022	$1,648 -5.8%	$121,200
2021	$1,749 +20.4%	$121,200 +14.6%
2020	$1,453	$105,740
2019	$1,453 +3.8%	$105,740
2018	$1,400	$105,740
2017	$1,400 +41.2%	$105,740 +6.6%
2013	$992	$99,160
2011	$992	$99,160
2010	$992	$99,160
2009	$992	$99,160
2007	--	$99,160 +8.1%
2006	--	$91,690
2005	--	$91,690
2004	--	$91,690

Find assessor info on the county website

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.

HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.

Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.

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