About This Home

This 3-bedroom, 2-bathroom single family at 198 Spencer Ln in Mount Washington, KY is listed for $312,500 ($226 per sqft). Built in 2004, the home offers 1,380 sqft of living space on a 0.32 acres lot.

Key Features

  • Built in 2004
  • 0.32 acre lot
  • 2 stories

Property Details

2 stories
2 full
2004

Amenities

A/C
Listing Description

Welcome to 198 Spencer Ln in Mount Washington! This well-maintained 3-bedroom, 2-bath, 1 1/2-story home offers approximately 1,380 sq. ft. of finished living space plus an additional 980 sq. ft. unfinished basement, providing excellent storage and plenty of potential for future use.

Built in 2004, the home features an attractive brick exterior, covered front porch, and inviting curb appeal in Wilchar Estates. Inside, the comfortable layout includes hardwood flooring, a bright living area, and an updated eat-in kitchen with newer refrigerator, oven, and dishwasher.

The primary suite features a beautifully renovated bath with a walk-in shower and sliding glass enclosure. Major improvements include an upgraded 3-ton HVAC system with new ductwork and additional returns, along with a water heater replaced in 2025. Newer French doors with built-in blinds lead to an expanded and rebuilt rear deck overlooking the fenced backyard, creating a great setting for relaxing, grilling, or entertaining.

Additional improvements include extensive fence replacement, an expanded double-width driveway area, and low-maintenance slate rock landscaping. With thoughtful updates, generous basement space, a fenced backyard, and a convenient Mount Washington location near shopping, dining, and everyday amenities, 198 Spencer Ln offers a great combination of comfort, functionality, and room to grow. Schedule your private showing today!

Monthly Cost Estimate

$1,826/mo

20% down · 6.5% · 30 years

Principal$226
Interest$1,354
Insurance$91
HOA$155

Estimates only. Actual payments may vary.

Location

198 Spencer Ln

Mount Washington, KY 40047

WILCHAR ESTATES

Property Details

Construction

Wood Frame Brick Veneer Brick

Outdoor Features

DeckPorch

Parking

DrivewayOff StreetOn Street

Heating

Natural GasForced Air

Cooling

Central Air

Questions & Answers

This 3-bedroom, 2-bathroom single family at 198 Spencer Ln is listed at $312,500 ($226/sqft). The estimated monthly payment is $1,826 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $155/month.

Key features include: Built in 2004, 0.32 acre lot, 2 stories.

This property is listed by Pierce Anderson and can be reached at 5026083601.

PA

Pierce Anderson

Agent at Real Estate Unlimited, P.C.

(502) 608-3601

Listed by Real Estate Unlimited, P.C. · Broker phone: (812) 288-6080 · View on Broker Site

MLS# 1726317· Source: Greater Louisville Association of REALTORS®· 40 days on PropertySimple

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.

198 Spencer Ln, Mount Washington, KY 40047

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