403 E High St Warsaw, KY 41095
Estimated payment $5,099/month
Total Views
10,331
4
Beds
4
Baths
2,710
Sq Ft
$332
Price per Sq Ft
Highlights
- Hot Property
- Waterfront
- Main Floor Primary Bedroom
- River View
- Wood Flooring
- High Ceiling
About This Home
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.
Home Details
Home Type
- Single Family
Year Built
- Built in 1822
Lot Details
- 1.29 Acre Lot
- Waterfront
- Cleared Lot
- Private Yard
- Land Lease
Parking
- Driveway
Home Design
- Brick Exterior Construction
- Stone Foundation
- Shingle Roof
Interior Spaces
- 2,710 Sq Ft Home
- 2-Story Property
- Built-In Features
- Bookcases
- Woodwork
- Crown Molding
- High Ceiling
- Ceiling Fan
- Chandelier
- Gas Fireplace
- Insulated Windows
- Pocket Doors
- Panel Doors
- Entrance Foyer
- Living Room
- River Views
Kitchen
- Eat-In Kitchen
- Electric Oven
- Electric Range
- Microwave
- Dishwasher
- Stainless Steel Appliances
- Kitchen Island
- Granite Countertops
- Disposal
Flooring
- Wood
- Carpet
- Ceramic Tile
- Luxury Vinyl Tile
Bedrooms and Bathrooms
- 4 Bedrooms
- Primary Bedroom on Main
- En-Suite Bathroom
- Walk-In Closet
- Dressing Area
- 4 Full Bathrooms
- Double Vanity
- Shower
Laundry
- Laundry Room
- Laundry on main level
- Dryer
- Washer
Outdoor Features
- Covered Patio or Porch
- Shed
Schools
- Gallatin County Elementary School
- Gallatin County Middle School
- Gallatin County High School
Utilities
- Forced Air Heating and Cooling System
- Propane
- High Speed Internet
Community Details
- No Home Owners Association
3D Matterport
Floorplans
Map
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Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $1,593 | $150,000 | $40,000 | $110,000 |
| 2024 | $1,596 | $150,000 | $40,000 | $110,000 |
| 2023 | $1,608 | $150,000 | $40,000 | $110,000 |
| 2022 | $1,614 | $150,000 | $40,000 | $110,000 |
| 2021 | $1,626 | $150,000 | $40,000 | $110,000 |
| 2020 | $1,665 | $150,000 | $40,000 | $110,000 |
| 2019 | $2,289 | $150,000 | $60,000 | $90,000 |
| 2018 | $2,290 | $205,000 | $60,000 | $145,000 |
| 2017 | $2,290 | $205,000 | $60,000 | $145,000 |
| 2016 | -- | $205,000 | $60,000 | $145,000 |
| 2014 | $2,278 | $205,000 | $60,000 | $145,000 |
| 2011 | $2,278 | $205,000 | $60,000 | $145,000 |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 08/17/2026 08/17/26 | Price Changed | $899,999 | -5.3% | $332 / Sq Ft |
| 07/23/2026 07/23/26 | For Sale | $950,000 | -- | $351 / Sq Ft |
Source: Northern Kentucky Multiple Listing Service
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $150,000 | None Available | |
| Grant Deed | $150,000 | -- |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $100,000 | Credit Line Revolving | |
| Open | $248,000 | New Conventional | |
| Closed | $242,000 | New Conventional | |
| Closed | $120,000 | New Conventional |
Source: Public Records
About the Listing Agent
JoLynn Johnston is a dynamic and dedicated Realtor specializing in the Northern Kentucky region, with expertise spanning from Carroll County to Kenton County. JoLynn brings a powerful combination of real-world knowledge in real estate investing and strategic marketing to every transaction.
Known for being a passionate, fun, and highly effective professional, JoLynn prides herself on her ability to be both an exceptional listener and a skilled negotiator, ensuring her clients' goals are
JoLynn's Other Listings
Source: Northern Kentucky Multiple Listing Service
MLS Number: 644995
APN: 13A-36-04
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of NKMLS. Real estate listings held by IDX Brokerage firms other than Ten-X are marked with the Internet Data Exchange logo or the Internet Data Exchange thumbnail logo and detailed information about them includes the name of the listing Brokers.
Listing information is deemed reliable, but not guaranteed.
Copyright 2026 Northern Kentucky Multiple Listing Service, Inc. All rights reserved.
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