# 1130 Payne St, Louisville, KY 40204

> **TL;DR:** 3bd/3ba single family, $439,900 ($210/sqft), built 1894, 2,099 sqft.
> A/C, 1-car garage. Est. $2,352/mo. Listed 14 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $439,900 |
| Price/sqft | $210 |
| Bedrooms | 3 |
| Bathrooms | 2 full, 1 half |
| Square Feet | 2,099 |
| Year Built | 1894 |
| Lot Size | 10,890 sqft (0.25 acres) |
| Stories | 2 |
| Garage | 1-car |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 14 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $2,224 |
| Estimated Insurance | $128 |
| **Total** | **$2,352** |

## Key Amenities

- A/C
- 1-car garage

## Property Highlights

- Built in 1894
- 0.25 acre lot
- 2 stories

## Description

### Agent Description
Prime Location in the Heart of 40204! Discover the perfect combination of space, flexibility, and convenience on highly desirable Payne Street! This unique property features two spacious primary suites, one on the first floor and another on the second, offering exceptional versatility and living options to fit a variety of needs. The second floor also features a generous bonus room, perfect for a home office, media room, playroom, or additional living area. A convenient first-floor half bath adds to the home's thoughtful and functional layout. Need more space? Adding even more value is a deep one-car garage with finished, heated and cooled bonus space above, providing endless possibilities for a private office, fitness studio, hobby space, or personal retreat.

## Location

- **Address:** 1130 Payne St, Louisville, KY 40204
- **County:** Jefferson
- **Neighborhood:** IRISH HILL
- **Coordinates:** 38.246741, -85.72747
- **Google Maps:** https://www.google.com/maps?q=38.246741,-85.72747

## Listing Agent

- **Name:** Jennifer Jewell Smith
- **Brokerage:** Keller Williams Realty, Louisville East
- **Broker Phone:** (502) 554-9500
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/1130-Payne-St_Louisville_KY_40204_M42339-09570?f=listhub&s=GLARKY&m=1732220&c=propsimple)

## Photos

![1130 Payne St - Photo 1](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f1832117994r.jpg)

![1130 Payne St - Photo 2](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f2760611027r.jpg)

![1130 Payne St - Photo 3](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f4158688598r.jpg)

![1130 Payne St - Photo 4](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f1377056098r.jpg)

![1130 Payne St - Photo 5](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f821427145r.jpg)

![1130 Payne St - Photo 6](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f1772859068r.jpg)

![1130 Payne St - Photo 7](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f2522783664r.jpg)

![1130 Payne St - Photo 8](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f3093425187r.jpg)

![1130 Payne St - Photo 9](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f569430609r.jpg)

![1130 Payne St - Photo 10](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f1626195128r.jpg)

![1130 Payne St - Photo 11](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f24046216r.jpg)

![1130 Payne St - Photo 12](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f680444297r.jpg)

![1130 Payne St - Photo 13](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f671527071r.jpg)

![1130 Payne St - Photo 14](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f36460863r.jpg)

![1130 Payne St - Photo 15](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f2665488483r.jpg)

![1130 Payne St - Photo 16](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f1954364153r.jpg)

![1130 Payne St - Photo 17](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f2373104888r.jpg)

![1130 Payne St - Photo 18](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f4024601667r.jpg)

![1130 Payne St - Photo 19](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f3024519291r.jpg)

![1130 Payne St - Photo 20](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f3729099857r.jpg)

![1130 Payne St - Photo 21](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f418270426r.jpg)

![1130 Payne St - Photo 22](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f3489307428r.jpg)

![1130 Payne St - Photo 23](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f3633083166r.jpg)

![1130 Payne St - Photo 24](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f3727594541r.jpg)

![1130 Payne St - Photo 25](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f722033597r.jpg)

![1130 Payne St - Photo 26](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f1599179920r.jpg)

![1130 Payne St - Photo 27](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f281658562r.jpg)

![1130 Payne St - Photo 28](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f1625202229r.jpg)

![1130 Payne St - Photo 29](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f2590753927r.jpg)

![1130 Payne St - Photo 30](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f3636616400r.jpg)

![1130 Payne St - Photo 31](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f2375378825r.jpg)

![1130 Payne St - Photo 32](http://lh.rdcpix.com/48ca2814d094506f1e1ee763e1b1b567l-f50284818r.jpg)

---

**MLS#:** 1732220 | **Updated:** 2026-10-27
**Source:** listhub

*Copyright © 2026 Greater Louisville Association of REALTORS®. 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.ai/listing/1130-payne-st-louisville-ky-40204-9367e51636d849a0abfe5bead7cf5a88)

---

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