Sell your St. Matthews house fast for cash
If you need to sell a house in St. Matthews quickly, you can collect written cash offers without listing it or fixing it up first. Share the address and the condition once, and independent buyers who work in Louisville's eastern suburbs review it and respond. Expect their numbers to sit under the price of a fully updated home nearby, since they absorb the repairs and holding costs, in exchange for a closing on your schedule.
St. Matthews is an older, close-in suburb. Owner-occupied homes here carry a median value of $338,000, the median home was built in 1969, and about 47 percent of occupied homes are rented (Census, 2020 to 2024). Roughly 4 in 10 houses predate 1960, including a large group from the 1940s, after the 1937 Ohio River flood sped up suburban growth here.
The city incorporated in 1950 and later absorbed five small neighboring cities, among them Fairmeade, annexed in January 2001. It runs its own code enforcement, property tax, storm drainage and permit sign-offs from City Hall at 3940 Grandview Avenue, while estates go through the Jefferson District Court probate court and assessments come from the Jefferson County PVA.
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Local facts
Selling a house in St. Matthews: local facts
Where to go, what homes sell for, and how cash sales close here, with sources.
- Median home value
- $338,000December 2024. Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates, table B25077 (via Census Reporter)Census median value of owner-occupied homes inside St. Matthews city limits, 2020 to 2024 average. These are owners' estimates, not closed sales.
- County
- Jefferson County, KentuckyLouisville metro area
- Probate court
- Jefferson District Court, Probate CourtHall of Justice, 600 W. Jefferson St., Louisville, KY 40202Official website(502) 595-4431Probate Court holds motion hour on Tuesdays, at 1 p.m. for attorneys and 2 p.m. for people handling an estate without one.
- Code enforcement
- City of St. Matthews Code EnforcementCity Hall, 3940 Grandview Ave., St. Matthews, KY 40207Official website(502) 899-2512Since September 2024 a city Code Enforcement Board can order repairs and impose fines, and unpaid fines and charges become a lien on the property.
- Property records
- Jefferson County Property Valuation Administrator (PVA)815 W. Market St., Suite 400, Louisville, KY 40202Official website(502) 574-6380St. Matthews bills its city property tax from the yearly values this office sets.
- How cash sales close
- In Kentucky, sales usually close through a title company or a real estate attorney. Kentucky lets non-lawyer closing agents handle closings, though they cannot give legal advice. The seller customarily pays the state transfer tax of 50 cents per $500 of value when the deed is recorded.Typical time from signed contract to closing for a cash sale: 14 to 30 days. A general range for cash closings rather than a St. Matthews average. A Code Enforcement Board lien or an estate that has not been opened yet can add time, so ask the closing agent for a firm date.
Three steps
How selling for cash works in St. Matthews
Tell us about the house
Share the address and a few details. It takes about two minutes and costs nothing.
Vetted local buyers review it
Your request goes to up to 3 buyer partners who purchase homes in your area. They may call with questions or to schedule a short walkthrough.
Compare offers and choose
Review each written offer, ask questions, and pick the one that fits, with a closing date that works for you. You can also say no to all of them.
Local factors
What to know about selling in St. Matthews
- St. Matthews owners get a city tax bill on top of the county's. The rate is $0.20 per $100 of assessed value, and the city takes 40 percent off any bill paid on or before October 31.
- Rental houses in St. Matthews fall under Louisville Metro's Rental Registry, the city says. Owners register each unit for a fee of $25 to $250, and an unregistered unit can draw a fine of up to $100 a day.
- Short-term rentals of under 30 days are allowed only in the zoning districts listed in Ordinance 22-02, which are the R-7 and R-8A districts and the city's office and commercial districts, and each must sit at least 600 feet from another one. Buyers who want short-term rental income will check the zoning first.
- Building permits come from Louisville Metro, but only after St. Matthews issues a free Letter of Compliance, and every contractor on the job needs a St. Matthews business license. Interior remodeling needs no site plan, and owners doing their own work need no business license.
Jefferson County
Neighborhoods buyers cover
- Broad Fields
- Cherrywood Village
- Fairmeade
- Plymouth Village
- Springlee
- Norbourne Estates
- Richlawn
- Beechwood Village
Common situations
Common situations in St. Matthews
Each guide explains the steps, the paperwork, and what to watch for before you sign anything.
- Inherited a houseYou can sell an inherited Louisville house once someone has legal authority over the estate, which in Jefferson County usually means an executor or administrator appointed by the District Court's Probate Court. If the will grants a power of sale, the executor can sell without another court order. If it does not, District Court has to approve the sale first. A cash sale helps when the house needs work, sits empty, or the heirs live far away.Read the guide
- Behind on paymentsIf you are behind on your mortgage in Louisville, you usually have time to sell before you lose the house. Kentucky foreclosures must go through court: the lender sues in Jefferson Circuit Court, gets a judgment, and only then does the master commissioner auction the house. Selling for cash before that auction pays off the loan from the proceeds and keeps a foreclosure sale off your record, as long as the offer covers what you owe or the lender approves a short sale.Read the guide
- Needs major repairsYou can sell a Louisville house in any condition. Cash buyers purchase as-is, so you skip the roof, the foundation work and the cleanup, and the price reflects the repairs instead. Before you accept an offer, find out what is recorded against the property: Louisville Metro code liens grow at 18 percent a year, and they have to be paid, reduced or waived before the title company can close.Read the guide
- Tired landlordYou can sell a Louisville rental without waiting for the tenants to leave. Kentucky lets a landlord sell without the tenant's consent, and the lease stays in force with the new owner. Jefferson County has followed the Uniform Residential Landlord and Tenant Act since 1974, so the notice rules are set by statute: at least 30 days' written notice to end a month-to-month tenancy, and 7 days' written notice before filing for nonpayment.Read the guide
- Going through a divorceSelling the house is often the simplest way to divide it in a Kentucky divorce. Jefferson Family Court divides marital property in just proportions, and a house bought during the marriage is presumed marital no matter whose name is on the deed. Because a spouse who is not on title can still hold a dower interest, both spouses usually sign. A cash sale gives you a firm closing date and one number to split.Read the guide
Questions
St. Matthews questions
Does a St. Matthews rental need to be registered before I sell it?
St. Matthews says its rental properties are covered by Louisville Metro's Rental Registry. Owners register each unit online with Louisville Metro Codes and Regulations or in person at 444 S. 5th St., Suite 200, and pay $25 to $250. An unregistered unit can be fined up to $100 a day, so check the status before you sell a tenant-occupied house and tell buyers what you find.
How much is the St. Matthews city property tax?
The rate is $0.20 per $100 of assessed value, applied to the Jefferson County PVA's assessment. Bills paid on or before October 31 get a 40 percent discount, which works out to about $0.12 per $100. Questions go to the city's Property Tax Department at (502) 899-2511.
Can a buyer turn a St. Matthews house into a short-term rental?
Only in certain zoning districts. Ordinance 22-02 allows stays of under 30 days in the R-7 and R-8A districts and in office and commercial districts, requires the host to register under the Louisville Metro code, limits guests to twice the number of bedrooms plus two, and keeps short-term rentals at least 600 feet apart. Look up the property's zoning before counting on that income in a price.
Nearby areas
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