107 Elm Street
Mt Sterling, KY, 40353 $ 309,000
Bedrooms4 Baths2.0 Sq 2,200 Monthly Estimate*
$ 1,951
for $309,000 with 4 bedrooms and 2 full baths. This 2,200 square foot home was built in 1948 on a lot size of 0.24.
Some homes are renovated. This one was loved back to life. 107 Elm Street is not a quick flip or a basic update with pretty finishes thrown in. This home was thoughtfully designed by its owner to be a forever home, with every room, every detail, and every reclaimed piece chosen with care. Circumstances changed, and now someone new gets the chance to enjoy all the beauty, comfort, and character that was poured into it. Inside, you'll find 4 bedrooms, 2 full baths, hardwood flooring throughout, tall ceilings, beautiful natural light, and multiple spaces to gather, work, rest, or simply slow down. The great room is warm and inviting, anchored by a stunning floor-to-ceiling stone fireplace that instantly makes the space feel cozy without losing its sense of grandeur. The kitchen blends function and charm with granite countertops, a gas range, an eat-in layout, and a truly special breakfast bar with Morgan County roots. Just off the grand room, 8-foot custom doors open into an enchanting breakfast nook full of character. Another set leads to a private office tucked off the primary bedroom, giving you a quiet space that feels separate without being disconnected. The primary suite is on the first floor and includes a soaking tub and walk-in closet, while the additional bedrooms and sitting areas give everyone room to spread out. The oversized laundry room is another everyday luxury, offering the kind of space you don't always find in older homes. Outside, the charm continues. The fully fenced front and back yards offer privacy, peace of mind for pets or kids, and a storybook feel from the moment you arrive. Mature trees help tuck the home away, even while you're right in city limits. The front yard has been beautifully landscaped, complete with a producing apple tree, a covered front sitting area, and two lion statues standing guard at the entrance. The backyard is made for relaxing and entertaining, with a privacy fence, large gate, plenty of parking, a recently sealed driveway, a large deck with a built-in prep station, fire pit, and a calming hot tub area. There is also a covered outdoor room that works beautifully for potting, tools, storage, or whatever fits your lifestyle. Cedar siding, intricate details, reclaimed historic touches, and careful updates throughout give this home a rare balance: new from the ground up, but still full of soul. It feels cozy, comfortable, and quietly impressive all at once. If you've been looking for a home with space, warmth, history, and heart, this is one you'll want to experience in person. It's ready for its next chapter, and there is plenty of room for you to make it your own.
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FeaturesInteriorInterior Amenities Breakfast Bar Ceiling Fan(s) Eat-in Kitchen Entrance Foyer Primary Downstairs Walk-In Closet(s)
Basement Crawl Space
Flooring Hardwood
Total Fireplaces 1
Fireplace Features Gas Log Great Room
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Fireplace Y/N Y
Above Grade Finished Area 2200.0
Half Baths 0
Laundry Features Electric Dryer Hookup Washer Hookup
Total Bedrooms 4
Below Grade Finished Area 0.0
Total Baths 2
Heating-Natural Gas True
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GeneralSewer Public Sewer
Heating Ductless Electric Natural Gas
Cooling Ceiling Fan(s) Ductless
Utilities Cable Available Electricity Connected Natural Gas Available Phone Available Sewer Connected Water Connected
Possession Close Of Escrow
Roof Metal
Appliances Dishwasher Gas Range Microwave Refrigerator
Patio/Porch Features Deck Porch Enclosed Porch Rear Porch
Architectural Style Colonial
Construction Materials Wood Siding
Year Built 1948
View Neighborhood
Levels One
Property Subtype Single Family Residence
Parcel Number 23M-50-05-023.00
County Montgomery
New Construction N
Property Type Residential
HOA N
Attached Garage N
Subdivision Name Downtown
Garage Y/N N
Other Structures Workshop
Total Rooms 14
Full Baths 2
Status Active
Directions Link to Pin: https://maps.app.goo.gl/TC9JNstdAkN2VHqQ6
High School Montgomery Co
City Mt Sterling
High School District Montgomery County - 18
MLS Area 018 - Montgomery County
Lot Size Units Acres
Lot Size Square Feet 10323.72
Carport Y/N N
Elementary School Northview
Land Lease Y/N N
Home Warranty Y/N N
Middle/Junior High School McNabb
MLS Area Minor 018 - Montgomery County
Lease Considered Y/N N
Rent Control Y/N N
Structure Type House
Standard Status Active
Senior Community None
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ExteriorExterior Amenities Fire Pit Ramped Access
Fencing Privacy Wood
Parking Features Driveway
Lot Features Few Trees Landscaped Secluded
Water Source Public
Lot Size Area 0.24
Foundation Details Block Stone
Building Area Total 2200.0
Lot Size Acres 0.24
Lot Size Source Public Records
Waterfront Y/N N
Crops Included Y/N N
Horse Y/N N
Irrigation Water Rights Y/N N
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* Excluded FeaturesList ByKeller Williams Legacy GroupBroker
rebakah@bluegrassagent.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $1,951
- Monthly Property Taxes
- --
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbySingle family listings in Mt Sterling, KY
Average List Price $363,485
Percent of Sale Price 18%
Trends Information provided by ATTOM Data Solutions.
3289519 Elementary School
3292775 Middle School
Montgomery Co High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 7/2/2026 | $309,000 | | Listed Price |