# 103 Valley Street #99,101,103,105, Richmond, KY 40475

> **TL;DR:** 12bd/12ba multi-family, $899,000 ($173/sqft), built 2026, 5,200 sqft.
> A/C. Est. $4,808/mo. Listed 69 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $899,000 |
| Price/sqft | $173 |
| Bedrooms | 12 |
| Bathrooms | 12 full |
| Square Feet | 5,200 |
| Year Built | 2026 |
| Lot Size | 17,860 sqft (0.41 acres) |
| Stories | 2 |
| Property Type | Multi-Family (Duplex) |
| Status | Active |
| Days on Market | 69 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $4,546 |
| Estimated Insurance | $262 |
| **Total** | **$4,808** |

## Nearby Schools

- **Elementary:** Daniel Boone
- **Middle:** Michael Caudill
- **High:** Madison Central

## Key Amenities

- A/C

## Property Highlights

- Built in 2026
- 0.41 acre lot
- 2 stories
- 12 parking spaces

## Description

### Agent Description
INVESTMENT OPPORTUNITY-2 NEW-CONSTRUCTION DUPLEXES! Four spacious units offer a total of 12 bedrooms, 12 full baths, and 12 paved off-street parking spaces. Each 1,300+/- sq. ft. unit features 3 bedrooms, 3 full baths, a first-floor primary suite, spacious living area, and appliances including washer & dryer. Every bedroom has its own full bath! Prime location near Eastern Bypass, Kroger, Menards, shopping, dining, and more. A rare opportunity to add a turnkey, high-demand property to your investment portfolio!

## Location

- **Address:** 103 Valley Street #99,101,103,105, Richmond, KY 40475
- **County:** Madison
- **Neighborhood:** Ramsey Addition
- **Coordinates:** 37.734186, -84.274293
- **Google Maps:** https://www.google.com/maps?q=37.734186,-84.274293

## Listing Agent

- **Name:** Ken Ritter
- **Brokerage:** Coldwell Banker McMahan
- **Broker Phone:** 6255559
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/103-Valley-St-Unit-99_Richmond_KY_40475_M97371-33752?f=listhub&s=LBARKY&m=26023244&c=propsimple)

## Photos

![103 Valley Street #99,101,103,105 - Photo 1](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f576446951r.jpg)

![103 Valley Street #99,101,103,105 - Photo 2](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f74265226r.jpg)

![103 Valley Street #99,101,103,105 - Photo 3](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f352399845r.jpg)

![103 Valley Street #99,101,103,105 - Photo 4](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f545543730r.jpg)

![103 Valley Street #99,101,103,105 - Photo 5](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f4243047594r.jpg)

![103 Valley Street #99,101,103,105 - Photo 6](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f1600493922r.jpg)

![103 Valley Street #99,101,103,105 - Photo 7](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f2127433199r.jpg)

![103 Valley Street #99,101,103,105 - Photo 8](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f49817222r.jpg)

![103 Valley Street #99,101,103,105 - Photo 9](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f2370554414r.jpg)

![103 Valley Street #99,101,103,105 - Photo 10](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f3074268283r.jpg)

![103 Valley Street #99,101,103,105 - Photo 11](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f2033860033r.jpg)

![103 Valley Street #99,101,103,105 - Photo 12](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f1896079800r.jpg)

![103 Valley Street #99,101,103,105 - Photo 13](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f2331913664r.jpg)

![103 Valley Street #99,101,103,105 - Photo 14](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f3492224992r.jpg)

![103 Valley Street #99,101,103,105 - Photo 15](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f2122898289r.jpg)

![103 Valley Street #99,101,103,105 - Photo 16](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f3010071312r.jpg)

![103 Valley Street #99,101,103,105 - Photo 17](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f1303668944r.jpg)

![103 Valley Street #99,101,103,105 - Photo 18](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f3492919927r.jpg)

![103 Valley Street #99,101,103,105 - Photo 19](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f3256723887r.jpg)

![103 Valley Street #99,101,103,105 - Photo 20](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f1310628598r.jpg)

![103 Valley Street #99,101,103,105 - Photo 21](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f832308251r.jpg)

![103 Valley Street #99,101,103,105 - Photo 22](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f3253275104r.jpg)

![103 Valley Street #99,101,103,105 - Photo 23](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f4139166159r.jpg)

![103 Valley Street #99,101,103,105 - Photo 24](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f732289083r.jpg)

![103 Valley Street #99,101,103,105 - Photo 25](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f583955427r.jpg)

![103 Valley Street #99,101,103,105 - Photo 26](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f328557927r.jpg)

![103 Valley Street #99,101,103,105 - Photo 27](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f2545866820r.jpg)

![103 Valley Street #99,101,103,105 - Photo 28](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f408093468r.jpg)

![103 Valley Street #99,101,103,105 - Photo 29](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f2189791721r.jpg)

![103 Valley Street #99,101,103,105 - Photo 30](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f190622309r.jpg)

![103 Valley Street #99,101,103,105 - Photo 31](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f2858974583r.jpg)

![103 Valley Street #99,101,103,105 - Photo 32](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f1972024786r.jpg)

![103 Valley Street #99,101,103,105 - Photo 33](http://lh.rdcpix.com/bba989c2c5310e3a22ae5d3ffe6e0229l-f1526103756r.jpg)

---

**MLS#:** 26023244 | **Updated:** 2026-10-20
**Source:** listhub

*Copyright © 2026 ImagineMLS. 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://staging.propertysimple.ai/listing/103-valley-street-richmond-ky-40475-1fb516bfafa34a7c8ed0499f08e33959)

---

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