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10081 Timbercreek Dr, Union, KY, 41091

3beds
3baths
0sqft
$384,900
--price/sqft
$2,601/moest. monthly cost
$104,040/yrincome needed

About This Home

Recently Renovated Full Brick Ranch on 1.8 Acre Lot! This Home Features 3 Bedrooms, 3 Full Bathrooms, Large Living Room with Fireplace, Updated Kitchen & Baths, New Flooring, Fresh Paint Throughout, Walkout from Dining to Covered Patio, All Kitchen Appliances & Washer/Dryer Included! Opportunity to Add Another Bedroom & Family Room in the Unfinished Basement! Located on a Quiet Dead End Street Just Minutes from the City of Union!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

8/10
6/10
9/10
Larry A. Ryle High SchoolGrades 9-123.0 mi

Construction

Condition

  • Property condition: Existing Structure
  • Year built: 1978

Materials

  • Foundation: Poured Concrete
  • Roof: Shingle
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Electric Range,Dishwasher,Dryer,Microwave,Refrigerator,Washer

Basement

  • Has basement: Yes

Bathroom2

  • Features: Tile Flooring,Tub With Shower
  • Level: First
  • Area: 40
  • Dimensions: 8 x 5

Bathroom3

  • Features: Full Finished Bath,Shower
  • Level: Lower
  • Area: 35
  • Dimensions: 7 x 5

Bedroom2

  • Features: Ceiling Fan(s),Carpet Flooring
  • Level: First
  • Area: 130
  • Dimensions: 13 x 10

Bedroom3

  • Features: Ceiling Fan(s),Carpet Flooring
  • Level: First
  • Area: 90
  • Dimensions: 10 x 9

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Chandelier,Luxury Vinyl Flooring,Walk-Out Access
  • Level: First
  • Area: 120
  • Dimensions: 12 x 10

Entry

  • Features: Luxury Vinyl Flooring,Walk-Out Access
  • Level: First
  • Area: 80
  • Dimensions: 10 x 8

Features

  • Storage,Pantry,High Speed Internet,Granite Counters,Chandelier,Ceiling Fan(s)
  • Window features: Vinyl Frames
  • Number of fireplaces: 1
  • Fireplace features: Brick,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Kitchen

  • Features: Pantry,Walk-Out Access
  • Level: First
  • Area: 180
  • Dimensions: 15 x 12

Living Room

  • Features: Luxury Vinyl Flooring,Walk-Out Access
  • Level: First
  • Area: 285
  • Dimensions: 19 x 15

Other

  • Features: See Remarks,Storage,Walk-Out Access
  • Level: Lower
  • Area: 1484
  • Dimensions: 53 x 28

Primary Bath

  • Features: Shower,Tile Flooring
  • Level: First
  • Area: 40
  • Dimensions: 8 x 5

Primary Bedroom

  • Features: Bath Adjoins,Ceiling Fan(s),Carpet Flooring
  • Level: First
  • Area: 169
  • Dimensions: 13 x 13

Property

Details

  • Parcel number: 041.0001033.00
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Patio
  • Has view: Yes
  • View description: Trees/Woods
  • Residential vegetation: Heavily Wooded

Lot

  • Lot size: 1.79 Acres
  • Features: Cleared,Level,Wooded
  • Lot size dimensions: 1.7906

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage,Garage Door Opener,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Inland Flooding
Lightning
Winter Weather

FEMA Declared Disasters Across Kentucky Counties

Flood
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,946$23,352
Home Insurance *$139$1,668
Property Taxes $362$4,344
Electricity $154$1,850
Total$2,601$31,212
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,177/yr
40% on housing$78,030/yr
45% on housing$69,360/yr

Kentucky FAIR Plan Programs

Kentucky FAIR Plan Reinsurance Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,102Commercial: 175
Total Premiums$2.55M
Total Exposure$206.09M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 41091$222
Boone County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 41091$186
Boone County$182

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-09Price change$429,900
2026-05-01Price change$449,900
2026-04-13Price change$459,900
2026-01-09Price change$469,900
2025-12-04Price change$475,000
2025-11-07Listed for sale$489,900
2022-11-30Sold$275,000
2010-03-11Sold$155,000

For Sale by Agent

AgentAndrew Lovett
BrokerageCahill Real Estate Services

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