# 2045 Payne St, Louisville, KY 40206 > **TL;DR:** 4bd/4ba multi-family, $440,000 ($157/sqft), built 1920, 2,800 sqft. > A/C. Est. $2,353/mo. Listed 7 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $440,000 | | Price/sqft | $157 | | Bedrooms | 4 | | Bathrooms | 4 full | | Square Feet | 2,800 | | Year Built | 1920 | | Lot Size | 9,148 sqft (0.21 acres) | | Property Type | Multi-Family (Apartment) | | Status | Active | | Days on Market | 7 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,225 | | Estimated Insurance | $128 | | **Total** | **$2,353** | ## Key Amenities - A/C ## Property Highlights - Built in 1920 - 0.21 acre lot ## Description ### Agent Description Investment Opportunity in the Heart of Clifton! Welcome to 2045 Payne Street, a spacious four-unit multifamily property offering excellent potential for investors looking to expand their rental portfolio or buyers looking to become homeowners and investors at the same time! Built in 1920, this two-story property features approximately 2,800 square feet of finished living space, with each of the four units offering its own living room, bedroom, full bathroom, and kitchen. Interior features include updated flooring in several areas, neutral paint colors, and kitchens with white cabinetry and attractive countertops. The property also features separate meters, natural gas heating, central air, and a welcoming front porch and rear balcony. Situated on a generous lot with a spacious backyard, this property is conveniently located near shopping, dining, entertainment, and major roadways. Looking to house hack? Live in one unit while renting out the other three, allowing rental income to help offset your mortgage and build long-term wealth through real estate! Whether you're an experienced investor, a first-time investor, or a buyer looking for a smart way to combine homeownership with income potential, this property offers flexibility and opportunity. Schedule your showing today! ## Location - **Address:** 2045 Payne St, Louisville, KY 40206 - **County:** Jefferson - **Coordinates:** 38.252809, -85.707805 - **Google Maps:** https://www.google.com/maps?q=38.252809,-85.707805 ## Virtual Tour & Media - **Video Tour:** https://listings.nextdoorphotos.com/vd/270517266 ## Listing Agent - **Name:** Dana P Spencer - **Brokerage:** Keller Williams Realty Louisville Highlands - **Broker Phone:** (502) 459-5509 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/2045-Payne-St_Louisville_KY_40206_M44167-36284?f=listhub&s=GLARKY&m=1732989&c=propsimple) ## Photos ![2045 Payne St - Photo 1](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f343620713r.jpg) ![2045 Payne St - Photo 2](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f2106473712r.jpg) ![2045 Payne St - Photo 3](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f3182062361r.jpg) ![2045 Payne St - Photo 4](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f3383367380r.jpg) ![2045 Payne St - Photo 5](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f1546634278r.jpg) ![2045 Payne St - Photo 6](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f2741972857r.jpg) ![2045 Payne St - Photo 7](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f394059354r.jpg) ![2045 Payne St - Photo 8](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f1275150588r.jpg) ![2045 Payne St - Photo 9](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f1595634042r.jpg) ![2045 Payne St - Photo 10](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f45670412r.jpg) ![2045 Payne St - Photo 11](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f660433211r.jpg) ![2045 Payne St - Photo 12](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f2963339928r.jpg) ![2045 Payne St - Photo 13](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f19345877r.jpg) ![2045 Payne St - Photo 14](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f4216596814r.jpg) ![2045 Payne St - Photo 15](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f3514098131r.jpg) ![2045 Payne St - Photo 16](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f1246885326r.jpg) ![2045 Payne St - Photo 17](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f1924365159r.jpg) ![2045 Payne St - Photo 18](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f3755576031r.jpg) ![2045 Payne St - Photo 19](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f2268386656r.jpg) ![2045 Payne St - Photo 20](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f1390049323r.jpg) ![2045 Payne St - Photo 21](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f4254068674r.jpg) ![2045 Payne St - Photo 22](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f433536168r.jpg) ![2045 Payne St - Photo 23](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f1937136490r.jpg) ![2045 Payne St - Photo 24](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f1193797266r.jpg) ![2045 Payne St - Photo 25](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f1271744509r.jpg) ![2045 Payne St - Photo 26](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f840243318r.jpg) ![2045 Payne St - Photo 27](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f3215726041r.jpg) ![2045 Payne St - Photo 28](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f1202175421r.jpg) ![2045 Payne St - Photo 29](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f1277977461r.jpg) ![2045 Payne St - Photo 30](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f1230223067r.jpg) ![2045 Payne St - Photo 31](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f3184119022r.jpg) ![2045 Payne St - Photo 32](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f849308281r.jpg) ![2045 Payne St - Photo 33](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f398011902r.jpg) ![2045 Payne St - Photo 34](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f499589370r.jpg) ![2045 Payne St - Photo 35](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f1649226474r.jpg) ![2045 Payne St - Photo 36](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f3483812104r.jpg) ![2045 Payne St - Photo 37](http://lh.rdcpix.com/e583896823c18911e03af75edb1762e3l-f2250500532r.jpg) --- **MLS#:** 1732989 | **Updated:** 2026-10-27 **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://staging.propertysimple.ai/listing/2045-payne-st-louisville-ky-40206-5e0b6a69e6264923bee20c392c2b0202) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/2045-payne-st-louisville-ky-40206-5e0b6a69e6264923bee20c392c2b0202#listing", "url": "https://staging.propertysimple.ai/listing/2045-payne-st-louisville-ky-40206-5e0b6a69e6264923bee20c392c2b0202", "name": "2045 Payne St, Louisville, KY 40206", "description": "Investment Opportunity in the Heart of Clifton! Welcome to 2045 Payne Street, a spacious four-unit multifamily property offering excellent potential for investors looking to expand their rental portfolio or buyers looking to become homeowners and investors at the same time! 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