For Sale
Single family home for sale at 403 E High St, Warsaw, KY 41095 | MLS# 644995 | Listing updated on 2026-10-24
Photo 1 of Single family home for sale at 403 E High St, Warsaw, KY 41095 | MLS# 644995 | Listing updated on 2026-10-24
Photo 2 of Single family home for sale at 403 E High St, Warsaw, KY 41095 | MLS# 644995 | Listing updated on 2026-10-24
Photo 3 of Single family home for sale at 403 E High St, Warsaw, KY 41095 | MLS# 644995 | Listing updated on 2026-10-24
Photo 4 of Single family home for sale at 403 E High St, Warsaw, KY 41095 | MLS# 644995 | Listing updated on 2026-10-24
46+
Beds Icon

Street View

$850,900

Monthly Est:$4,235

  • Beds Icon4 Beds
  • Beds Icon
    4 Baths
  • Beds Icon2,710sqft

403 E High St, Warsaw, KY 41095

$4,235/moEst:

Get Pre-Approved

  • Single Family Residence

  • Built in 1822

  • $-- HOA

  • 1.29 acres lot

  • $314/sq.ft

Description

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 mass
ive 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.

  • Houzeo last checked: 1 minute ago
  • Listing updated: October 24, 2026 at 5:10 pm
  • Listing Provided by: JoLynn Johnston (859) 760-4418 DRE #221611 | e-Merge Real Estate Victory (614) 678-5505
  • Source: Northern Kentucky Multiple Listing Service | MLS#: 644995 Northern Kentucky Multiple Listing Service

Property Details

  • Status

    Active

  • Type

    Single Family Residence

  • No. of Stories

    -

  • County

    Gallatin County

  • City

    Warsaw

  • Neighborhood

    --

  • Year Built

    1822

  • HOA Fees

    -

  • Finished Area

    2,710 sqft

  • Lot Size

    1.29 acres lot

  • Basement Area

    - sqft

  • MLS Name

    Northern Kentucky Multiple Listing Service

  • MLS Number

    644995

  • MLS Status

    Active

  • Days on Market

    98

  • Cumulative Days on Market

    95

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Location

Facts & Features

Rooms

  • Bedrooms & bathrooms

    Bedrooms: 4

    Bathrooms: 4

Interior

  • Interior Features

    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

  • Window Features

    Insulated Windows

  • Cooling

    Central Air

  • Appliances

    Stainless Steel Appliance(s), Electric Oven, Electric Range, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer

  • Exterior Features

    Private Yard

  • Heating

    Forced Air, Electric

  • Sewer

    Public Sewer

Construction

  • Year Built

    Year Built: 1822

  • Home type

    Single Family Residence

  • Property Condition

    Existing Structure

  • Architectural Style

    See Remarks

  • Foundation Details

    Stone

  • Roof

    Shingle

  • Construction Materials

    Brick

Utilities & Energy

  • Fireplace Features

    Gas

  • Parking Features

    Driveway

  • Laundry Features

    Electric Dryer Hookup, Main Level, Washer Hookup

  • Water Source

    Public

  • Utilities

    Propane, Sewer Available, Water Available

Other Features

  • Lot Features

    Cleared, Waterfront

  • Patio And Porch Features

    Covered, Patio, Porch

Price History

DateEventPrice

08/17/2026

Source: mls_logoNorthern Kentucky Multiple Listing Service #644995

Price Increased

$899,999 +5.77%

$332/sqft

07/23/2026

Source: mls_logoNorthern Kentucky Multiple Listing Service #644995

Price Decreased

$850,900 -10.43%

$314/sqft

07/23/2026

Source: mls_logoNorthern Kentucky Multiple Listing Service #644995

Listed for Sale

$950,000

$351/sqft

Getting Around 403 E High St

Bike Score®

Bike Score

Somewhat Bikeable

47/100

Walk Score®

Walk Score

Somewhat Walkable

64/100

Data provided by Redfin

Nearby Homes

Based on information from the Northern Kentucky Multiple Listing Service, Inc. through Oct 30, 2026, 12:15AM. Information is provided exclusively for consumers’ personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties that consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed accurate by the MLS. This website may not include listings or property addresses of sellers who have directed their listing brokers to withhold their listing or their property address from display on the Internet. © 2026 Northern Kentucky Multiple Listing Service, Inc. All Rights Reserved.

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