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About This Home

This 3-bedroom, 1-bathroom single family at 103 Water Street in Horse Cave, KY is listed for $164,900 ($31 per sqft). Built in 1917, the home offers 5,320 sqft of living space on a 0.06 acres lot.

Agent Description

Located in the heart of downtown Horse Cave, this spacious brick commercial building offers excellent visibility and versatility on WaterStreet. The main level, currently being used for an antique store, features over 2,600± square feet of retail or commercial space withlarge 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 mainfloor.

Full of character and charm, this property is centrally located among established downtown businesses and is within walkingdistance of the Hidden River Cave Museum. With solid brick construction, flexible layout, and multiple-use potential, this propertypresents an outstanding opportunity for investors, business owners, or owner-occupants seeking a downtown presence in Horse Cave.

Key Features

  • Built in 1917
  • 0.06 acre lot
  • Fireplace

Property Details

1 full
1917

Amenities

FireplaceHardwood

Monthly Cost Estimate

$882/mo

20% down · 6.5% · 30 years

Principal$119
Interest$715
Insurance$48

Estimates only. Actual payments may vary.

Location

103 Water Street

Horse Cave, KY 42749

None

Features & Amenities

Interior Features

Ceiling Fan(s)Other-See Remarks

Exterior Features

Aggregate WalksConcrete WalksPartialFence

Property Details

Flooring

Hardwood

Construction

Brick

Parking

Paved or Surfaced

Heating

Fireplace(s)Forced Air

Cooling

Central Air

Appliances

Other

Questions & Answers

This 3-bedroom, 1-bathroom single family at 103 Water Street is listed at $164,900 ($31/sqft). The estimated monthly payment is $715 based on 20% down at 6.5% interest.

Key features include: Built in 1917, 0.06 acre lot, Fireplace. Interior Features: Ceiling Fan(s), Other-See Remarks. Exterior Features: Aggregate Walks, Concrete Walks, Partial.

This property is listed by Zachary French and can be reached at 2707807777 or zfrenchrealtorauctioneer@gmail.com.

ZF

Zachary French

Agent at Mills Real Estate & Auction

(270) 780-7777

Listed by Mills Real Estate & Auction · View on Broker Site

MLS# RA20260867· Source: listhub· Updated 161 days ago

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.

103 Water Street, Horse Cave, KY 42749

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