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About This Home

This 0-bedroom, 0-bathroom commercial at 123 Water Street in Horse Cave, KY is listed for $525,000. Built in 1911, on a 0.30 acres lot.

Agent Description

Luxury Loft with Retail Opportunity in Historic Downtown Horse Cave. Experience the perfect blend of history, luxury, and opportunity with this stunning property located in the heart of downtown Horse Cave. Set within a beautifully preserved historic building, this expansive 12,000+ sq.

ft. property offers both modern elegance and timeless character. Upstairs, the renovated 2,700+ sq. ft. luxury loft delivers exceptional living space overlooking the charming downtown streetscape. The master suite is a true retreat, featuring a private walkout deck, a classic claw-foot tub, walk-in shower, and double farmhouse sinks.

The oversized kitchen impresses with a large island, custom cabinetry, and premium stainless steel appliances—perfect for entertaining or everyday living. On the main level, more than 4,000 sq. ft. of heated and cooled retail space awaits—ideal for a boutique, gallery, or mixed-use business.

With excellent downtown frontage and plenty of foot traffic, the potential here is unmatched. Additional highlights include: Building served by a lift for effortless access between levels, Two new HVAC systems and gas heat for comfort and efficiency, Recently updated roof covering for peace of mind, and Ample warehouse and storage space behind the retail area.

Whether you’re seeking a live-work property, investment opportunity, or an exceptional luxury residence, this rare offering has it all—historic charm, modern comfort, and limitless potential.

Key Features

  • Built in 1911
  • 0.30 acre lot

Property Details

1911

Amenities

Hardwood

Monthly Cost Estimate

$2,808/mo

20% down · 6.5% · 30 years

Principal$380
Interest$2,275
Insurance$153

Estimates only. Actual payments may vary.

Location

123 Water Street

Horse Cave, KY 42749

N/A

Features & Amenities

Interior Features

FinishedUnfinished

Property Details

Flooring

Hardwood

Construction

Brick

Parking

On Street

Heating

Central

Cooling

Central Air

Questions & Answers

This 0-bedroom, 0-bathroom commercial at 123 Water Street is listed at $525,000. The estimated monthly payment is $2,275 based on 20% down at 6.5% interest.

Key features include: Built in 1911, 0.30 acre lot. Interior Features: Finished, Unfinished.

This property is listed by John Hishmeh and can be reached at 2702180074 or jphishmeh5@gmail.com.

JH

John Hishmeh

Agent at Coldwell Banker Legacy Group

(270) 218-0074

Listed by Coldwell Banker Legacy Group · View on Broker Site

MLS# RA20260741· Source: listhub· Updated 111 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.

123 Water Street, Horse Cave, KY 42749

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