Prospect Homes under $400,000

Prospect Homes under $400,000

Welcome to Prospect, Kentucky – a charming city that beautifully blends suburban tranquility with the vibrancy of nearby urban life. Nestled just a short drive from Louisville, Prospect offers residents the perfect escape from the hustle and bustle while still providing easy access to all the amenities of a larger city. Known for its picturesque landscapes, friendly community, and top-rated schools, Prospect is an ideal place for families, retirees, and everyone in between.

One of the most appealing aspects of living in Prospect is the diverse selection of homes available for under $400,000. Whether you’re searching for a cozy starter home, a spacious family residence, or a charming cottage, this delightful city has something to suit every taste and budget. Many of these homes boast modern amenities, beautiful outdoor spaces, and are situated in welcoming neighborhoods that foster a strong sense of community.

In addition to its affordable housing options, Prospect is renowned for its scenic parks and recreational opportunities. Residents can enjoy leisurely strolls along the banks of the Ohio River or engage in various outdoor activities at one of the local parks. The area is also home to excellent dining options, boutique shopping, and cultural attractions, making it a vibrant place to call home.

If you’re looking for a peaceful, family-friendly environment with homes that won’t break the bank, Prospect, KY, is the perfect destination. Discover your dream home in this hidden gem today and experience all that this charming city has to offer!

Newest Prospect Homes under $400,000

6406 Marina Dr, Prospect
$335,000
3 Beds ⋅ 3 Baths ⋅ 1731373 MLS
A peaceful setting, a convenient location, The Harbor at Harrods Creek has it all. This three-bedroom, two-and-a-half-bath home offers a private two-car garage and a deck where you can enjoy your morning coffee or settle in for a quiet evening. Sellers are offering a HUGE 10K allowance for the buyer to use as they wish. The private community pool is just steps away, making full relaxation an easy part of your day. This home offers the appeal of this established Prospect community with inclusive monthly maintenance coverage that includes all utilities except LG&E. Two scenic lakes, a clubhouse, and marina access provide plenty to enjoy close to home, while nearby shopping, dining, and convenient highway access make everyday errands simple. Whatever life style you are looking for, you'll appreciate a home in The Harbor that makes it all possible.

6406 Marina Dr, Prospect

Listing courtesy of United Real Estate Louisville.

7813 Montero Dr, Prospect
$195,000
3 Beds ⋅ 3 Baths ⋅ 1730701 MLS
Rare Find in Prospect! 3-bedroom, 2.5 bath, townhouse offers fresh neutral paint, new carpet, sleek light fixtures - simply move in! The inviting floor plan features spacious living area, a galley kitchen where everything is within reach, a private courtyard, 2 off-street/assigned parking spots and comfortable bedrooms with ample closet space. All kitchen appliances remain and washer & dryer stays. Enjoy low-maintenance living in a highly desirable Prospect location, Hunting Creek. Enjoy the beauty of the community, close to shopping and dining. You'll love being so close to Hunting Creek Park, enjoy the playground, walking trails, picnic tables, put in your canoe or kayak in at Putney Pond and you're sure to see deer! These townhouse units rarely come on the market, so don't miss your cha

7813 Montero Dr, Prospect

Listing courtesy of Schuler Bauer Real Estate Services ERA Powered.

13008 Tattersall Ln, Prospect
$399,000
4 Beds ⋅ 3 Baths ⋅ 1730702 MLS
Welcome to 13008 Tattersall Ln. in the desirable Countryside subdivision! This spacious 4-bedroom, 3-bath home offers a unique and versatile floor plan featuring TWO primary suites—a rare find for anyone looking for additional privacy. The flexible layout provides plenty of room to spread out while giving homeowners options that are hard to find in this area. Situated on almost half an acre, the property features a large flat backyard with plenty of room for entertaining, pets, play, gardening, or creating your own outdoor retreat. Located in the Oldham County School District, this Countryside home combines space, flexibility, and a great location. Price to sell! Schedule your showing and come see the possibilities!

13008 Tattersall Ln, Prospect

Listing courtesy of Collective Roots Agency.

14017 Harbour Pl, Prospect
$260,000
3 Beds ⋅ 3 Baths ⋅ 1729342 MLS
Welcome to 14017 Harbour Place. Riverfront living at its best. This 3-bedroom, 2.5-bath townhome is located in desirable Cardinal Harbour. Whether you are relaxing on the deck with beautiful views of the Ohio River or hosting parties, this home has it. Inside, the home offers comfortable living space with a cozy fireplace and plenty of natural light. The unfinished basement includes a laundry room and provides potential additional living space or storage. Cardinal Harbour residents enjoy access to the award winning Oldham County School District, and many amenities including a clubhouse, swimming pool, tennis and basketball courts, boat ramp, storage lot, and horse barn. The community also features 80 acres of natural areas and over a mile of grounds along the Ohio River.

14017 Harbour Pl, Prospect

Listing courtesy of Semonin Realtors.

10619 Meeting St Unit 202, Prospect
$365,000
2 Beds ⋅ 2 Baths ⋅ 1728604 MLS
Experience Norton Commons living at its best! Perfectly positioned on Meeting Street, the heart of the neighborhood, this beautifully updated, turnkey two bedroom, two full bath condo near restaurants, boutiques, parks and community events just steps from your door. The bright, open concept interior is filled with natural light and offers 1,044 square feet of stylish, low maintenance living. Hardwood floors flow throughout the main living and dining areas, while the updated white kitchen features stainless steel appliances, beautiful countertops, a decorative backsplash, abundant cabinetry and a breakfast bar for casual dining. The spacious primary suite features a tray ceiling, a large walk in closet with built in storage and a private bath with a double vanity and glass enclosed shower. A second bedroom and full bath offer comfortable space for guests or a home office. In unit laundry, elevator access, an assigned covered parking space and a large private storage room assigned exclusively to the unit make everyday living effortless. Move right in and enjoy the ultimate lock and leave lifestyle in the center of Norton Commons!

10619 Meeting St Unit 202, Prospect

Listing courtesy of The Agency Louisville.

13202 Prospect Glen Way, Prospect
$193,900
2 Beds ⋅ 2 Baths ⋅ 1727938 MLS
Welcome to 13202 Prospect Glen Way, Prospect, KY 40059. This 1st Floor Condo is located in Oldham County in Prospect Glen Way Condos. It's 2 Bedroom, 2 Full Bath. New granite Countertops, new appliances, and not a single stair to climb. Park in your assigned carport space just steps from the front door, where fresh granite countertops and new stainless steel appliances mean nothing here needs a punch list. The open kitchen anchors the unit with a breakfast bar and dedicated dining area, room enough for quick mornings and full sit-down dinners alike. New granite continues into both bathrooms, tying the finishes together throughout. The primary suite offers a private bath and a generous walk-in closet, and the second bedroom flexes easily as a guest room or home office. A washer and dryer are included in the in-unit laundry closet, so laundry day never means away from home. Step outside to a private patio for morning coffee or evening wind-down. Monthly HOA dues of $259 cover groundskeeping, master insurance, snow removal, trash, and water, keeping exterior upkeep off your list. Prospect Glen sits off Ridgemoor Drive near US 42 in Oldham County, just up the street from Goshen Elementary and zoned for North Oldham Middle and High School. Kroger Prospect Village and Harrods Landing Yacht Club and Marina are both a short drive up US 42, and downtown Louisville is about 16 miles south. See the finishes in person. Schedule your showing today at 13202 Prospect Glen Way, Prospect, KY 40059.

13202 Prospect Glen Way, Prospect

Listing courtesy of simpler.realestate.

5602 Harrods Cove Unit C1, Prospect
$315,000
3 Beds ⋅ 3 Baths ⋅ 1727201 MLS
NEW PRICE! Ideally located in The Harbor at Harrods Creek, this lovely 3 bedroom, 2 1/2 bath condominium with full basement and two car garage offers easy living overlooking Harrods Creek and within minutes to shopping and dining in tony Prospect. The first floor features a bedroom with parquet flooring, a one half bath, laundry room with stackable washer and dryer, an updated galley kitchen with new countertops and tile work. The kitchen opens to the dining and living area which also features a bar area, a sunroom and a screened porch overlooking the verdant rear yard and Harrods Creek. The second floor contains a large primary bedroom with his and her closets and the primary bath has been updated with a walk-in shower and new tile work. The guest bedroom has two closets. There is also full bath and linen closet on the second level. The finished lower level features a large game/living room and additional storage as well as a wet bar. There is also a two car garage with two storage closets. There is only one step from the garage to the living area. The Harbor at Harrods Creek is located just minutes from I-265, I-71 and the new end bridge and has a club house, pool, marina and fitness room. There is plenty of guest parking near the home.

5602 Harrods Cove Unit C1, Prospect

Listing courtesy of Julie Pogue Properties.

13909 Harbour Pl, Prospect
$305,000
3 Beds ⋅ 3 Baths ⋅ 1726980 MLS
Welcome to 13909 Harbour Place, where no detail was missed in this stunning top-to-bottom renovation! This home has undergone a full-scale rehab featuring a new HVAC system, new roof, new exterior siding, new flooring, fresh paint, an updated kitchen, and updates throughout. Step outside onto the brand-new deck and take in the incredible views of the Ohio River, a setting that truly sets this property apart. And we can't forget everything this community has to offer! Short-term rental friendly, the community features on-site boat and RV storage, a clubhouse with a pool, beautiful natural surroundings, and a breathtaking riverfront lawn along the Ohio River for owners and guests to enjoy. Close enough to local restaurants, shops, and everyday conveniences, yet tucked away enough to feel like your own private slice of heaven. Whether you're looking for a full-time home, weekend getaway, or investment opportunity, 13909 Harbour Place offers a combination of fresh updates, incredible amenities, and riverfront living that's hard to beat!

13909 Harbour Pl, Prospect

Listing courtesy of Homepage Realty.

6707 Rest Way, Prospect
$285,000
3 Beds ⋅ 2 Baths ⋅ 1726499 MLS
Must see! This house needs some TLC. The brick ranch consists of: 3 bedrooms, 2 full bathrooms, partially finished basement and a one car attached garage. The main floor consists of: a great room with a large picture window which allows lots of sunshine to shine in. The entrance to the deck is located in the great room. The three bedrooms and great room have hardwood floors.

6707 Rest Way, Prospect

Listing courtesy of The Metcalf Co. REALTORS.

5002 Marina Cove, Prospect
$245,000
2 Beds ⋅ 3 Baths ⋅ 1726280 MLS
Set against the picturesque backdrop of a marina and two peaceful lakes, this townhome-style condominium in The Harbor at Harrods Creek offers a lifestyle that feels tucked away while remaining remarkably convenient to everything Prospect has to offer. Residents enjoy the beauty of the private lakes—whether casting a line, taking in the views, or simply pausing to enjoy the serene setting—as well as a neighborhood filled with attractive surroundings and a community pool perfect for leisurely summer days. Shopping, groceries, dining and everyday conveniences are all close at hand, with easy access to the expressway when your day takes you beyond Prospect. Perhaps one of the best endorsements of this home and community is the fact that its owner has loved living here for 27 years. It's easy to understand why. With exterior maintenance and grounds care handled for you, this is an ideal opportunity for a busy professional, someone ready to simplify the responsibilities of homeownership, or anyone drawn to the ease of a true lock-and-leave lifestyle with the freedom to travel for extended periods. Inside, hardwood flooring extends throughout the main level, beginning with a cheerful kitchen featuring abundant cabinetry, granite countertops and a tile backsplash. A charming bay window creates a sun-filled spot for casual dining, while the kitchen flows naturally into the main living area, where there is flexibility for additional dining space. A corner fireplace anchors the room, but the real focal point may be just beyond the sliding glass doors: a private deck overlooking one of the lakes, creating a wonderful setting for morning coffee, evening cocktails or simply enjoying the view. A conveniently located guest powder room completes this level. Upstairs, the thoughtful floor plan offers two primary suites, each with its own private en suite bath and generous closet space. The rear suite is especially inviting, featuring an updated bath and sliding glass doors opening to a second private deck, where those same peaceful lake views provide a beautiful backdrop to begin and end the day. The lower level adds another layer of practicality and possibility, with a spacious laundry area, abundant storage and flexible space offering potential for additional living or recreational use. A two-car garage is another welcome feature, providing the convenience and storage that can be hard to find in condominium living. After 27 years with the same owner, this special home presents a rare opportunity to enjoy the ease, scenery and convenience that have made The Harbor at Harrods Creek such a coveted Prospect community. With so much taken care of for you, there's simply more time to enjoy where you live—and everything you love beyond it!

5002 Marina Cove, Prospect

Listing courtesy of Semonin Realtors.

5002 Harrods Landing Dr, Prospect
$289,000
2 Beds ⋅ 4 Baths ⋅ 1726118 MLS
Motivated sellers! Sellers are SO sad to leave this wonderful condo but it's ready for its new owners to make it home! Welcome to 5002 Harrods Landing Drive, where convenience meets low-maintenance living! This 2 bedroom, 3.5 bath townhome is conveniently located just off US-42, right across from the soon to be Downtown Prospect development! The community maintains well-kept grounds that create strong curb appeal from the moment you arrive, including a community pool open through September. Enter through either the front door or the attached garage to find a welcoming entry with a convenient half bath and storage closet. The kitchen offers a thoughtful layout with stainless steel appliances, ample cabinet and counter space, and room for a small dining table, perfect for casual meals. A serving window opens to the living area, creating an easy flow for everyday living and entertaining. The living space has a cozy gas fireplace and offers plenty of room for a large seating area and full size dining table. Creek Marina, an ideal spot to enjoy morning coffee or watch the boats go by in the warmer months. Tucked discreetly off the living area, the walkout basement provides flexible space for a second living area, home office, playroom, or guest suite. This level walks out to a private patio with green space beyond and ground-level marina views, and includes a full bath, laundry area, and additional storage. Upstairs, both bedrooms feature en-suite bathrooms and high ceilings throughout. The primary suite is located at the rear of the home and offers a private second-floor deck overlooking the marina. The en-suite bath includes a double vanity, large jetted tub, separate walk-in shower, and walk-in closet. The hallway provides exceptional storage with three large closets, one including additional laundry hookups for added convenience. The second bedroom is generously sized with its own walkout deck facing the front of the home and an en-suite bath with a large vanity and jetted tub/shower combo. This townhome offers privacy and versatile living spaces, all while being conveniently located across from Prospect Kroger, restaurants, and more!

5002 Harrods Landing Dr, Prospect

Listing courtesy of White Picket Real Estate.

6515 Marina Dr, Prospect
$294,900
2 Beds ⋅ 2 Baths ⋅ 1725066 MLS
Welcome to The Harbor at Harrods Creek, one of Prospect's most sought after addresses and right in the heart of all the excitement surrounding the new downtown Prospect development. With Cunningham's and Captain Quarters just around the corner and the creek right outside your door, this is a location that truly has it all. This beautifully remodeled ranch style condo offers two bedrooms and two full baths with a basement, and has been thoughtfully updated from top to bottom and is ready for its next owner to simply move in and start living. The kitchen, sunroom, and flooring were all refreshed in 2019, the deck was replaced in 2024, the primary suite and bathroom were completely renovated in 2025, and a brand new HVAC was just installed in July of 2026. Your monthly maintenance fee covers all your exterior maintenance, lawn care, trash, water, sewer, flood insurance, master insurance, clubhouse and pool. There is nothing left to do here but enjoy it. The four season sunroom is one of the true highlights of this home. With its own heat and air conditioning and stunning views of the creek, it is the kind of space you will find yourself in morning, noon, and night. Step outside to a private courtyard off the primary bedroom for a quiet outdoor retreat, or relax on the new deck and take in the peaceful surroundings that make creek side living so special. On the main level, a pantry just off the kitchen offers convenient storage and can easily be converted back to accommodate a stackable washer and dryer if desired, giving the new owner plenty of flexibility down the road. The basement expands your living space considerably with a comfortable family room, an additional room with a closet that works perfectly as a guest room or home office, and two unfinished areas that offer generous storage. The basement is also fully equipped with laundry and the washer and dryer will remain with the property at no cost to the buyer. Community amenities include a pool, clubhouse, lake, and marina, everything you need to embrace the waterfront lifestyle this neighborhood is known for. Perhaps one of the most practical advantages of this home is what is already covered in the monthly maintenance fee — flood insurance, water, trash, sewer, yard maintenance, and snow removal. Lock the door and go without a worry in the world. Opportunities like this in The Harbor at Harrods Creek do not come along often. Come see it before someone else does.

6515 Marina Dr, Prospect

Listing courtesy of Semonin Realtors.

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