Sarah Thornton

403 E High Street

Warsaw, KY
$ 899,999 Beds 4 Baths 4 Sq 2,710
Monthly Estimate* How much can I afford?

The Payne House: A Legacy of History, Reimagined for Today Step into living history with this exceptional 1922 Greek Revival estate. Built by John Payne, a veteran of the War of 1812, The Payne House is not just a residence--it is a one-of-a-kind masterpiece where centuries of character meet 21st-century luxury. Situated on 1.2 acres of serene riverfront, this property has been restored with an unwavering commitment to its architectural roots while integrating every modern convenience. Inside, discover a seamless blend of past and present. The kitchen is a testament to thoughtful design, featuring custom cabinetry, luxurious leathered granite countertops, and a massive island. A stunning focal point is the custom range hood, meticulously crafted from the home's original timber. Throughout the house, history has been honored; the original kitchen fireplace, once hidden behind drywall for years, has been restored to its former glory, showcasing its original mantel. The primary suite serves as your private sanctuary, offering floor-to-ceiling windows with picturesque views of the river and private grounds. The original hardwood floors are currently protected by carpet, the adjoining room has been transformed into a spa-like retreat, boasting a massive walk-in shower and a spectacular, oversized closet. This is more than a home; it is a rare opportunity to own a piece of heritage, fully prepared for the future. Home also features an apartment which would be perfect for a mother-in-law suite, small business, teenage retreat or an extra income producer. It does not have full kitchen appliances but does feature a full bath.

Active

  • Price
  • $ 899,999
  • City
  • Warsaw
  • Bedrooms
  • 4
  • Full Bathrooms
  • 4
  • County
  • Gallatin
  • Half Bathrooms
  • 0
  • Area
  • Gallatin Cty
  • Lot Size
  • 1.29 Acres
  • Zip
  • 41095
  • Sqr Footage
  • 2,710
  • Year Built
  • 1822
  • Style
  • See Remarks
  • MLS#
  • 644995
Listed By: e-Merge Real Estate Victory - 614-678-5505
Data Source: Northern Kentucky MLS (NKAR)

Features

General

Living Area 2710
Sewer Public Sewer
Heating Forced Air,Electric
Cooling Central Air
Utilities Propane,Sewer Available,Water Available
Roof Shingle
Patio/Porch Features Covered,Patio,Porch
Architectural Style See Remarks
Construction Materials Brick
Year Built 1822
View River
Levels Two
Property Subtype Single Family Residence
County Gallatin
New Construction false
Property Type Residential
HOA false
Attached Garage false
Other Structures Shed(s)
Total Rooms 7
Status Active
Directions Hwy 42 S Right on Morton Ave. Right on High St., Home on left
High School Gallatin County High
City Warsaw
Zoning Description Residential
MLS Area K13 - Gallatin Cty
Lot Size Units Acres
Lot Size Square Feet 56018
Elementary School Gallatin County Elementary
Property Attached Y/N false
Middle/Junior High School Gallatin County Middle School
Property Condition Existing Structure
MLS Area Minor K13 - Gallatin Cty
Structure Type House
Standard Status Active

Interior Features

Interior Amenities See Remarks,Pocket Door(s),Kitchen Island,Walk-In Closet(s),High Speed Internet,Granite Counters,Entrance Foyer,Double Vanity,Crown Molding,Chandelier,Bookcases,Built-in Features,Ceiling Fan(s),High Ceilings,Multi Panel Doors,Natural Woodwork,Master Downstairs
Total Fireplaces 1
Fireplace Features Gas
Air Conditioning Y/N true
Heating Y/N true
Window Features Insulated Windows
Fireplace Y/N true
Laundry Features Electric Dryer Hookup,Main Level,Washer Hookup
Total Baths 4

Exterior Features

Exterior Amenities Private Yard
Parking Features Driveway
Lot Features Cleared,Waterfront
Water Source Public
Lot Size Area 1.29
Foundation Details Stone
Lot Dimensions irregular
Lot Size Acres 1.29
Road Surface Type Paved
Lot Size Source Realist
Road Frontage Type City Street

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Cincinnati, OH office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Gallatin County Elementary Elementary School
Middle School Gallatin County Middle School Middle School
High School Gallatin County High High School

Price History

7/23/2026 Listed $950,000
8/17/2026 5% - $899,999

Property vs Zip Code Average in 41095

Price
AVG $410K
$900K
Year Built
AVG 1970
1822

Areas That We Cover

403 E High Street Warsaw, KY is a Single Family Home for sale at $899999 with 2710 sqft and a lot size of 1.29 Acres Acre(s). 403 E High Street Warsaw has 4 bedrooms, 4 baths and was built in 1822. The property's zip code is 41095 which is in Warsaw, KY

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Sarah Thornton

Sarah Thornton

REALTOR®️ / Senior Sales VP

513-633-4423

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