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For sale by owner
    • Price cut: $9K (5/22)
    $389,000

    978 Spencer Pike, Mount Sterling, KY 40353

    4beds
    2,970sqft
    : 
    $2,593/mo
    Get pre-qualified
    SingleFamily
    Built in 1981
    0.96 Acres Lot
    $-- Zestimate®
    $131/sqft
    $-- HOA

    What's special

    Four bedroom
    This 2970 square foot single family home is Listed By Owner and Not an Agent and has 4 bedrooms and 2 Full baths. This home is located at 978 Spencer Pike, Mount Sterling, KY 40353.
    What the owner loves about this home
    I Love the Fact of Being within 5 Minutes of Most Local Businesses and at the Same Time The Atmosphere of Living in the Country. I Love the Deck extended almost the Length of the House in the Back and the View. I also Love that You don't have to Deal with an Agent but with the Actual Owner.
    372 days
    |
    260
    |
    7
    |
    Listed by:

    Property Owner (859) 585-0591

    This property is for sale by owner and Zillow, Inc. is displaying it at the owner's request. It is not subject to a listing agreement with Zillow, Inc. or its affiliates.

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 2
      • Full bathrooms: 2
      Heating
      • Forced air, Gas
      Cooling
      • Central
      Appliances
      • Included: Dishwasher, Range / Oven
      Features
      • Flooring: Tile, Other, Carpet, Laminate
      • Basement: Finished
      • Has fireplace: Yes
      Interior area
      • Total interior livable area: 2,970 sqft

      Property

      Parking
      • Total spaces: 6
      • Parking features: Garage - Attached, Off-street
      Features
      • Exterior features: Brick
      • Has view: Yes
      • View description: Territorial, Water, Mountain
      • Has water view: Yes
      • Water view: Water
      Lot
      • Size: 0.96 Acres
      Details
      • Parcel number: 032100001400

      Construction

      Type & style
      • Home type: SingleFamily
      Materials
      • Frame
      • Foundation: Stone
      • Roof: Shake / Shingle
      Condition
      • New construction: No
      • Year built: 1981

      Community & HOA

      Location
      • Region: Mount Sterling

      Financial & listing details

      • Price per square foot: $131/sqft
      • Tax assessed value: $238,000
      • Annual tax amount: $2,095
      • Date on market: 7/18/2025

        Estimated market value

        Not available

        Estimated sales range

        Not available

        $2,051/mo

        Price history

        DateEventPrice
        5/22/2026Price change$389,000-2.3%$131/sqft
        Source: Owner Report a problem
        12/27/2025Price change$398,000+0.8%$134/sqft
        Source: Owner Report a problem
        9/25/2025Price change$395,000-2.5%$133/sqft
        Source: Owner Report a problem
        9/15/2025Pending sale$405,000$136/sqft
        Source: Owner Report a problem
        8/14/2025Price change$405,000-4.7%$136/sqft
        Source: Owner Report a problem
        7/26/2025Listed for sale$425,000$143/sqft
        Source: Owner Report a problem
        7/19/2025Pending sale$425,000$143/sqft
        Source: Owner Report a problem
        7/19/2025Listed for sale$425,000+18.4%$143/sqft
        Source: Owner Report a problem
        8/17/2024Listing removed--
        Source: Owner Report a problem
        8/6/2024Pending sale$359,000$121/sqft
        Source: Owner Report a problem
        7/30/2024Price change$359,000-7.7%$121/sqft
        Source: Owner Report a problem
        6/6/2024Price change$389,000+8.4%$131/sqft
        Source: Owner Report a problem
        6/4/2024Pending sale$359,000$121/sqft
        Source: Owner Report a problem
        3/20/2024Listed for sale$359,000$121/sqft
        Source: Owner Report a problem
        3/15/2024Pending sale$359,000$121/sqft
        Source: Owner Report a problem
        1/3/2024Listed for sale$359,000$121/sqft
        Source: Owner Report a problem
        8/1/2023Listing removed--
        Source: Owner Report a problem
        5/3/2023Listed for sale$359,000$121/sqft
        Source: Owner Report a problem
        4/25/2023Listing removed--
        Source: Owner Report a problem
        1/24/2023Listed for sale$359,000$121/sqft
        Source: Owner Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$2,095 +1.6%$238,000
        2023$2,062 -2.9%$238,000
        2022$2,123 -0.6%$238,000
        2021$2,137 -1%$238,000
        2020$2,158 -0.6%$238,000
        2019$2,172 $238,000
        2018-- $238,000
        2017-- $238,000 +14.4%
        2016-- $208,000 -70.6%
        2015-- $708,000
        2014-- $708,000 +240.4%
        2012-- $208,000
        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.
        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.
        See how much you could borrow to make a competitive offer.
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        Climate risks

        Neighborhood: 40353

        Getting around

        9 / 100
        Car-Dependent
        2 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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