# 103 Water Street, Horse Cave, KY 42749

> **TL;DR:** commercial, $159,900, built 1917.
> Hardwood. Est. $693/mo. Listed 161 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $159,900 |
| Year Built | 1917 |
| Lot Size | 2,614 sqft (0.06 acres) |
| Stories | 2 |
| Property Type | Commercial (Other) |
| Status | For Sale |
| Days on Market | 161 |

## Why This Home Stands Out

- **Hardwood Floors** - Throughout the home

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $693 |
| **Total** | **$693** |

## Key Amenities

- Hardwood

## Property Highlights

- Built in 1917
- 0.06 acre lot
- 2 stories

## Description

### Agent Description
Located in the heart of downtown Horse Cave, this spacious brick commercial building offers excellent visibility and versatility on Water Street. The main level, currently being used for an antique store, features over 2,600± square feet of retail or commercial space with large display windows fronting Water Street, ideal for retail, showroom, office, or boutique use. The upper level offers an additional 2,600± square feet and is currently utilized as residential living space, providing strong potential for rental income, professional office use, or expanded retail frontage. The upper level can be accessed separately from the exterior, allowing for independent use from the main floor. Full of character and charm, this property is centrally located among established downtown businesses and is within walking distance of the Hidden River Cave Museum. With solid brick construction, flexible layout, and multiple-use potential, this property presents an outstanding opportunity for investors, business owners, or owner-occupants seeking a downtown presence in Horse Cave.

## Location

- **Address:** 103 Water Street, Horse Cave, KY 42749
- **County:** Hart
- **Neighborhood:** None
- **Coordinates:** 37.1796525, -85.9065312
- **Google Maps:** https://www.google.com/maps?q=37.1796525,-85.9065312

## Listing Agent

- **Name:** Zachary French
- **Brokerage:** Mills Real Estate & Auction
- **Phone:** 2707807777
- **Email:** zfrenchrealtorauctioneer@gmail.com

## Primary Photo

![103 Water Street - Primary Photo](http://lh.rdcpix.com/f192f81e1893c332d198e9129060af32l-f2963667699r.jpg)

*35 total photos available on [listing page](https://www.propertysimple.com/listing/103-water-street-horse-cave-ky-42749-20257127)*

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**MLS#:** RA20257127 | **Updated:** 2026-06-19
**Source:** listhub

*Copyright © 2026 REALTOR® Association of Southern Kentucky, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.com/listing/103-water-street-horse-cave-ky-42749-20257127)

---

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