SELLING IN KENTUCKY
Complete compliance guide for selling your home in Kentucky. Meydomo handles all state-specific requirements, MLS compliance, and legal disclosures.
Last updated November 10, 2025
Agent always available. $199 today, $999 at closing—no 6% surprises.
Licensed Qualifying Broker Supervision
Every Meydomo transaction in Kentucky operates under the supervision of a licensed Qualifying Broker who ensures full regulatory compliance:
- • Daily: Review all new listings, price changes, and advertising
- • Weekly: Audit 10% of active files for compliance
- • Monthly: Reconcile trust accounts and verify licenses
- • 24/7 Escalation: Call (448) 408-1873 and press 9 for direct Broker access
- • Coverage: E&O insurance on every transaction
AI handles the volume. Broker ensures compliance. You get both for $199 + $999.
Kentucky Real Estate Overview
Kentucky is an attorney-closing state with mandatory seller disclosure requirements. The market shows steady appreciation with strong performance in major cities.
Federal Compliance Checklist
Lead-Based Paint Hazard Disclosure
Federal law (Residential Lead-Based Paint Hazard Reduction Act of 1992) requires sellers of homes built before 1978 to disclose any known lead-based paint or lead hazards and provide buyers with the EPA’s lead hazard information pamphlet. Buyers must also be given a 10-day opportunity to conduct a lead paint inspection or waive that right.
Fair Housing Act (No Discriminatory Advertising)
Under the federal Fair Housing Act, sellers (and their agents) must not publish any advertisement for the listing that expresses a discriminatory preference based on protected classes (e.g. race, color, religion, sex, disability, familial status, or national origin). For example, statements such as 'no children' or other exclusions in home listings are unlawful.
State-Level Rules Sellers Must Follow
Seller’s Disclosure of Property Condition
Kentucky law (KRS §324.360) requires sellers of residential real estate (1–4 dwelling units) to provide a "Seller’s Disclosure of Property Condition" form to any potential buyer. The Kentucky Real Estate Commission publishes the required form. It asks sellers to disclose conditions of the foundation, mechanical systems, land/drainage, presence of termites/pests, and other material defects. The form must be completed to the best of the seller’s knowledge and given to the buyer *before* an offer is made. If a seller willfully fails to provide the disclosure or misrepresents something on it, they can be liable for actual damages in civil court. (Exemptions: transfers by court order, new construction, etc.)
County & City Considerations
Local Requirements
Kentucky does not have additional local disclosure obligations separate from the state form. Sellers throughout Kentucky — from Louisville to rural counties — use the same statutory disclosure form. Some local governments in Kentucky might require an inspection for fire/safety code compliance before issuing utility letters for closing, but that is not a seller disclosure to the buyer, rather a closing requirement.
Seller Disclosure Requirements
What sellers must disclose in Kentucky:
- KRS §324.360 requires Seller's Disclosure of Property Condition form
- Mandatory for all 1–4 family residential sales
- Must disclose roof, foundation, HVAC, electrical, water issues
- Environmental hazards disclosure required
- Lead-based paint disclosure for pre-1978 homes
MLS Rules & Listing Logistics
MLS Rules
Kentucky’s MLS systems (e.g., LBAR’s Bluegrass MLS, Northern Kentucky MLS) require a signed listing agreement and adherence to MLS input rules. Clear Cooperation is in effect statewide via these MLSs. A primary photo is usually required. Listings in MLS must note if there are any known conditions like 'sale subject to court approval' or similar, but the actual seller disclosure form is delivered outside the MLS. Fair Housing rules for MLS remarks are strictly followed. Additionally, some Kentucky MLSs require disclosing in agent-only remarks if the seller is a licensed agent or related to one, per their rules.
How Much Equity You Keep on a $225,000 Sale
Every seller sees the math before launch. We assume a $6,750 buyer-agent incentive (3%) across all options so you can compare apples-to-apples with “flat fee” services that tack on a percentage at closing.
| Option | Upfront Fees | Due at Closing | Total Listing Cost | Buyer Agent (3%) | Total Listing & Selling Costs | Savings vs 6% |
|---|---|---|---|---|---|---|
| Meydomo Flat-Fee MLS1 | $199 | $999 | $1,198 | $6,750 | $7,948 | $5,552 |
| Housecoin “Flat Fee”2 | $0 | $2,250 | $2,250 | $6,750 | $9,000 | $4,500 |
| Houzeo Silver Plan3 | $249 | $1,125 | $1,374 | $6,750 | $8,124 | $5,376 |
| Traditional 6% Agent4 | $0 | $6,750 | $6,750 | $6,750 | $13,500 | — |
* Buyer-agent line assumes a 3% incentive across every scenario. Sellers can set Meydomo buyer-agent payouts anywhere from 2% to 3%.
1 Meydomo pricing: $199 to launch, $999 at close. Buyer-agent incentives remain optional.
2 Housecoin advertises no upfront cost but charges 1% of sale price at close (marketed as “flat fee”).
3 Houzeo Silver plan: $249 list fee plus 0.5% at close, subject to $999 minimum (houzeo.com/pricing).
4 Traditional listing assumed 3% listing-side commission and 3% buyer-agent commission (typical 6% split).
Kentucky Seller FAQ
How does Meydomo's $999 service work for sellers in Kentucky?
We handle MLS entry, buyer-agent coordination, disclosures, and closing support under the supervision of a licensed Qualifying Broker. You pay $199 today and $999 when the deal closes—no percentage commission. Every transaction includes daily Broker review, weekly file audits, and professional oversight.
Who supervises the AI agents in Kentucky?
Our licensed Qualifying Broker maintains non-delegable supervisory responsibility for all transactions. The Broker performs daily reviews of new listings and price changes, weekly audits of active files (minimum 10%), monthly trust account reconciliation, and immediate intervention for complex situations. This ensures full compliance with state real estate laws.
Can I still offer buyer-agent commission in Kentucky?
Yes. You decide what to offer buyer agents (often 2–3%). Meydomo publishes it in the MLS and we show how it affects your net in the cost table and calculator. Our Broker reviews all commission structures for compliance.
What happens when an agent calls from Kentucky?
Our AI agents answer inbound calls instantly with licensed Qualifying Broker oversight, qualify buyers, and route serious inquiries to you or your transaction coordinator so you never miss momentum. The Broker monitors all interactions for compliance and intervenes when professional judgment is needed.
Can I get compliance help with Kentucky disclosures?
Yes. We walk you through every required form, double-check timelines, and keep a shared checklist so nothing slips through state or MLS rules. Our Qualifying Broker reviews all disclosures before publication to ensure legal compliance.
How can I reach the Qualifying Broker directly?
Direct Broker escalation is available 24/7. Call (448) 408-1873 and press 9 for priority routing, or email broker-escalation@meydomo.com. Response time is within 4 hours for urgent matters, 24 hours for general concerns. The Broker handles complex negotiations, regulatory issues, and any situation requiring professional real estate judgment.
Tools to Plan Your Kentucky Sale
Commission Savings Calculator
See the exact dollars you keep in Kentucky: $11,000-$24,000 savings vs traditional $12,000-$25,000 commissions.
Launch tool →Offer Comparison Grid
Line up every Kentucky offer and see which terms actually deliver the highest net.
Launch tool →Closing Timeline Planner
Map every disclosure, inspection, and funding deadline required in Kentucky.
Launch tool →Commission Savings in Kentucky
Compare a traditional 6% listing with Meydomo's $199 upfront + $999 at closing. Adjust the buyer-agent incentive to match your plan.
Enter a sale price and commission assumptions to see the dollar impact of Meydomo's flat fee.
Closing Timeline Generator
Timeline automation ships in Phase 2. Beta testers get first access when we roll out inspection, financing, and escrow countdowns.
Explore the toolMarket Insights & Trends (2024-2025)
Current Market Data
- • Median home price: ~$225,000
- • Year-over-year growth: +4.2%
- • Louisville and Lexington remain strong competitive markets
- • Rural Kentucky shows more balanced market conditions
- • Affordable compared to national averages
Cities We Serve in Kentucky
Meydomo provides comprehensive MLS coverage and compliance expertise across all major population centers in Kentucky.
Rank #1
Louisville/Jefferson County
Estimated population: 611,573
Rank #2
Lexington-Fayette
Estimated population: 311,529
Rank #3
Bowling Green
Estimated population: 62,824
Rank #4
Owensboro
Estimated population: 58,685
Don't see your city listed?
We serve every community in Kentucky.
Call (448) 408-1873 and we’ll assemble the right local team.
Our Kentucky Broker Network
Kentucky's attorney-closing requirement ensures legal oversight while our brokers provide market expertise.
Ready to sell in Kentucky?
Now that you know the requirements, start your $999 flat-fee listing and keep more of your equity.
Start for $199 (pay $999 at closing)