# 198 Spencer Ln, Mount Washington, KY 40047

> **TL;DR:** 3bd/2ba single family, $312,500 ($226/sqft), built 2004, 1,380 sqft.
> A/C. Est. $1,826/mo. Listed 30 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $312,500 |
| Price/sqft | $226 |
| Bedrooms | 3 |
| Bathrooms | 2 full |
| Square Feet | 1,380 |
| Year Built | 2004 |
| Lot Size | 13,939 sqft (0.32 acres) |
| Stories | 2 |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 30 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,580 |
| Estimated Insurance | $91 |
| HOA | $155 |
| **Total** | **$1,826** |

## Key Amenities

- A/C

## Property Highlights

- Built in 2004
- 0.32 acre lot
- 2 stories

## Description

### Agent 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!

## Location

- **Address:** 198 Spencer Ln, Mount Washington, KY 40047
- **County:** Bullitt
- **Neighborhood:** WILCHAR ESTATES
- **Coordinates:** 38.049114, -85.555574
- **Google Maps:** https://www.google.com/maps?q=38.049114,-85.555574

## Listing Agent

- **Name:** Pierce Anderson
- **Brokerage:** Real Estate Unlimited, P.C.
- **Phone:** 5026083601
- **Broker Phone:** (812) 288-6080
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/198-Spencer-Ln_Mt-Washington_KY_40047_M43696-32531?f=listhub&s=GLARKY&m=1726317&c=propsimple)

## Photos

![198 Spencer Ln - Photo 1](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f3543766166r.jpg)

![198 Spencer Ln - Photo 2](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1668041618r.jpg)

![198 Spencer Ln - Photo 3](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2612338367r.jpg)

![198 Spencer Ln - Photo 4](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f3067882452r.jpg)

![198 Spencer Ln - Photo 5](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1954645478r.jpg)

![198 Spencer Ln - Photo 6](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1064912047r.jpg)

![198 Spencer Ln - Photo 7](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2598154440r.jpg)

![198 Spencer Ln - Photo 8](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2632338604r.jpg)

![198 Spencer Ln - Photo 9](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f447772337r.jpg)

![198 Spencer Ln - Photo 10](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2167907956r.jpg)

![198 Spencer Ln - Photo 11](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2364202633r.jpg)

![198 Spencer Ln - Photo 12](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2323729571r.jpg)

![198 Spencer Ln - Photo 13](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f254429339r.jpg)

![198 Spencer Ln - Photo 14](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f755120690r.jpg)

![198 Spencer Ln - Photo 15](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2150431039r.jpg)

![198 Spencer Ln - Photo 16](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f198011835r.jpg)

![198 Spencer Ln - Photo 17](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f3600119755r.jpg)

![198 Spencer Ln - Photo 18](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2667232097r.jpg)

![198 Spencer Ln - Photo 19](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f4018992880r.jpg)

![198 Spencer Ln - Photo 20](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1470872905r.jpg)

![198 Spencer Ln - Photo 21](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2127636086r.jpg)

![198 Spencer Ln - Photo 22](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f3969901762r.jpg)

![198 Spencer Ln - Photo 23](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f436748451r.jpg)

![198 Spencer Ln - Photo 24](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2470937803r.jpg)

![198 Spencer Ln - Photo 25](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1535556959r.jpg)

![198 Spencer Ln - Photo 26](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1450752755r.jpg)

![198 Spencer Ln - Photo 27](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f968293618r.jpg)

![198 Spencer Ln - Photo 28](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2971362712r.jpg)

![198 Spencer Ln - Photo 29](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1522635110r.jpg)

![198 Spencer Ln - Photo 30](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f296454420r.jpg)

![198 Spencer Ln - Photo 31](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f4255525601r.jpg)

![198 Spencer Ln - Photo 32](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1620740009r.jpg)

![198 Spencer Ln - Photo 33](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2479270811r.jpg)

![198 Spencer Ln - Photo 34](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f277638403r.jpg)

![198 Spencer Ln - Photo 35](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f415829569r.jpg)

![198 Spencer Ln - Photo 36](http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2844163264r.jpg)

---

**MLS#:** 1726317 | **Updated:** 2026-09-12
**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/198-spencer-ln-mt-washington-ky-40047-1726317)

---

## Structured Data

```json
{
  "@context": "https://schema.org",
  "@type": "RealEstateListing",
  "@id": "https://www.propertysimple.ai/listing/198-spencer-ln-mt-washington-ky-40047-1726317#listing",
  "url": "https://www.propertysimple.ai/listing/198-spencer-ln-mt-washington-ky-40047-1726317",
  "name": "198 Spencer Ln, Mount Washington, KY 40047",
  "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!",
  "image": [
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f3543766166r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1668041618r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2612338367r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f3067882452r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1954645478r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1064912047r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2598154440r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2632338604r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f447772337r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2167907956r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2364202633r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2323729571r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f254429339r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f755120690r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2150431039r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f198011835r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f3600119755r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2667232097r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f4018992880r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1470872905r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2127636086r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f3969901762r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f436748451r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2470937803r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1535556959r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1450752755r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f968293618r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2971362712r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1522635110r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f296454420r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f4255525601r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1620740009r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2479270811r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f277638403r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f415829569r.jpg",
    "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2844163264r.jpg"
  ],
  "primaryImageOfPage": {
    "@type": "ImageObject",
    "url": "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f3543766166r.jpg",
    "caption": "198 Spencer Ln - Mount Washington, KY"
  },
  "datePosted": "2026-08-14T00:00:00+00:00",
  "dateModified": "2026-09-12T18:42:47.683066+00:00",
  "mainEntity": {
    "@type": "Accommodation",
    "@id": "https://www.propertysimple.ai/listing/198-spencer-ln-mt-washington-ky-40047-1726317#property",
    "name": "198 Spencer Ln, Mount Washington, KY 40047",
    "address": {
      "@type": "PostalAddress",
      "streetAddress": "198 Spencer Ln",
      "addressLocality": "Mount Washington",
      "addressRegion": "KY",
      "postalCode": "40047",
      "addressCountry": "US"
    },
    "geo": {
      "@type": "GeoCoordinates",
      "latitude": 38.049114,
      "longitude": -85.555574
    },
    "image": [
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f3543766166r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1668041618r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2612338367r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f3067882452r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1954645478r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1064912047r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2598154440r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2632338604r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f447772337r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2167907956r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2364202633r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2323729571r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f254429339r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f755120690r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2150431039r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f198011835r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f3600119755r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2667232097r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f4018992880r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1470872905r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2127636086r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f3969901762r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f436748451r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2470937803r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1535556959r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1450752755r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f968293618r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2971362712r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1522635110r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f296454420r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f4255525601r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f1620740009r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2479270811r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f277638403r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f415829569r.jpg",
      "http://lh.rdcpix.com/ead3bc1fcdb18d63f42fdb67b3cc8294l-f2844163264r.jpg"
    ],
    "identifier": {
      "@type": "PropertyValue",
      "propertyID": "MLS",
      "value": "1726317"
    },
    "accommodationCategory": "Single Family Residence",
    "numberOfBedrooms": 3,
    "numberOfBathroomsTotal": 2,
    "numberOfFullBathrooms": 2,
    "floorSize": {
      "@type": "QuantitativeValue",
      "value": 1380,
      "unitCode": "FTK",
      "unitText": "square feet"
    },
    "yearBuilt": 2004,
    "amenityFeature": [
      {
        "@type": "LocationFeatureSpecification",
        "name": "Heating",
        "value": "Natural Gas, Forced Air"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Cooling",
        "value": "Central Air"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Construction Materials",
        "value": "Wood Frame,  Brick Veneer,  Brick"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Pool Features",
        "value": "Deck, Porch"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Parking Features",
        "value": "Driveway, Off Street, On Street"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Air Conditioning",
        "value": true
      }
    ],
    "additionalProperty": [
      {
        "@type": "PropertyValue",
        "name": "Lot Size",
        "value": "0.32 acres"
      },
      {
        "@type": "PropertyValue",
        "name": "Stories",
        "value": 2
      },
      {
        "@type": "PropertyValue",
        "name": "Property Subtype",
        "value": "Single Family Residence"
      }
    ]
  },
  "offers": {
    "@type": "Offer",
    "@id": "https://www.propertysimple.ai/listing/198-spencer-ln-mt-washington-ky-40047-1726317#offer",
    "url": "https://www.propertysimple.ai/listing/198-spencer-ln-mt-washington-ky-40047-1726317",
    "price": 312500,
    "priceCurrency": "USD",
    "businessFunction": "http://purl.org/goodrelations/v1#Sell",
    "availability": "https://schema.org/InStock",
    "seller": {
      "@id": "https://www.propertysimple.ai/listing/198-spencer-ln-mt-washington-ky-40047-1726317#agent"
    }
  },
  "provider": {
    "@type": "Person",
    "@id": "https://www.propertysimple.ai/listing/198-spencer-ln-mt-washington-ky-40047-1726317#agent",
    "name": "Pierce Anderson",
    "telephone": "5026083601",
    "worksFor": {
      "@type": "Organization",
      "@id": "https://www.propertysimple.ai/listing/198-spencer-ln-mt-washington-ky-40047-1726317#brokerage",
      "name": "Real Estate Unlimited, P.C.",
      "telephone": "(812) 288-6080"
    }
  }
}
```