10937 Arcaro Ln, Union, KY, 41091
About This Home
Triple Crown Golf Course Community! Spacious! (approximately 4700 SF of Living!), Primary with Sitting Room and Ensuite! First Floor Office! Lower Level Walk-out! Steam Shower! Beautiful Screened Porch! Tiered Decking! Swarvoski Chandelier that lowers for cleaning! Lower Level features Additional Bedroom w/Full Bath and Massive Closet, Mini-Kitchen, and Plenty of Media and Recreational Space! Add to this another Room perfect for Exercise, Crafting or Other Hobbies! Plus Storage/Workshop Room! Perfect Home for Multi-Generational Living, Guests and Extended Living!! Oversized 3 Car Garage! This residence delivers the perfect blend of space, privacy, and lifestyle in one of the region's most sought-after communities!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Existing Structure
- Year built: 1995
Materials
- Foundation: Poured Concrete
- Roof: Shingle
- Construction materials: Brick,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Electric Cooktop,Electric Oven,Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Washer
- Laundry features: Laundry Room,Main Level
Basement
- Has basement: Yes
- Basement: Full
Bedroom2
- Features: Carpet Flooring,See Remarks
- Level: Second
- Area: 150
- Dimensions: 15 x 10
Bedroom3
- Features: Ceiling Fan(s),Carpet Flooring
- Level: Second
- Area: 180
- Dimensions: 15 x 12
Bedroom4
- Features: Ceiling Fan(s),Carpet Flooring
- Level: Second
- Area: 196
- Dimensions: 14 x 14
Bedroom5
- Features: Carpet Flooring,See Remarks,Walk-In Closet(s),Walk-Out Access
- Level: Lower
- Area: 140
- Dimensions: 14 x 10
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Breakfast Room
- Features: Bow Window(s),Tile Flooring,Walk-Out Access
- Level: First
- Area: 154
- Dimensions: 14 x 11
Dining Room
- Features: Chandelier,Hardwood Floors,Chair Rail
- Level: First
- Area: 182
- Dimensions: 14 x 13
Entry
- Features: Closet(s),Entrance Foyer,Hardwood Floors,See Remarks,Transom,Wood Flooring
- Level: First
- Area: 182
- Dimensions: 14 x 13
Exercise Room
- Features: See Remarks
- Level: Lower
- Area: 196
- Dimensions: 14 x 14
Family Room
- Features: Ceiling Fan(s),Fireplace(s),Recessed Lighting,See Remarks,Wet Bar,Walk-Out Access,Window Treatments
- Level: First
- Area: 323
- Dimensions: 19 x 17
Features
- Kitchen Island,Wet Bar,Walk-In Closet(s),Storage,Pantry,High Speed Internet,Granite Counters,Entrance Foyer,Eat-in Kitchen,Double Vanity,Crown Molding,Chandelier,Built-in Features,Cathedral Ceiling(s),Ceiling Fan(s),Central Vacuum,Recessed Lighting,Wired for Data
- Door features: Multi Panel Doors
- Window features: Vinyl Frames,Wood Frames
- Number of fireplaces: 2
- Fireplace features: Brick,Gas
- Fireplace: Yes
Heating & Cooling
- Heating features: Has Heating (Unspecified Type)
- Cooling features: Central Air
Kitchen
- Features: Planning Desk,Pantry,Recessed Lighting,Tile Flooring,Wood Cabinets,Walk-Out Access,Eat-in Kitchen,Kitchen Island
- Level: First
- Area: 228
- Dimensions: 19 x 12
Living Room
- Features: Hardwood Floors,See Remarks
- Level: First
- Area: 210
- Dimensions: 15 x 14
Other
- Features: Double Doors,Hardwood Floors
- Level: First
- Area: 196
- Dimensions: 14 x 14
Other
- Features: Carpet Flooring,Double Doors,See Remarks
- Level: Second
- Area: 196
- Dimensions: 14 x 14
Other
- Features: Walk-Out Access,Built-in Features,Closet(s),Carpet Flooring,Recessed Lighting,See Remarks,Storage,Tile Flooring,Wood Cabinets
- Level: Lower
- Area: 980
- Dimensions: 35 x 28
Primary Bedroom
- Features: Bath Adjoins,Cathedral Ceiling(s),Ceiling Fan(s),Carpet Flooring,Dressing Area,Fireplace(s),Sitting Room,Walk-In Closet(s)
- Level: Second
- Area: 280
- Dimensions: 20 x 14
Utility Room
- Features: See Remarks,Storage
- Level: Lower
- Area: 252
- Dimensions: 21 x 12
Property
Details
- Parcel number: 064.0407191.00
- Zoning description: Residential
- Other equipment: Sump Pump
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck,Enclosed
Lot
- Lot size: 0.39 Acres
- Features: Level
- Lot size dimensions: Irregular
Parking
- Total spaces: 3
- Parking features: Attached,Driveway,Garage,Garage Door Opener,Garage Faces Side,Off Street
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- 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
- Tornado
- Cold Wave
- Lightning
- Strong Wind
- Inland Flooding
- Ice Storm
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Kentucky Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,109 | $37,308 |
| Home Insurance * | $223 | $2,676 |
| Property Taxes | $522 | $6,264 |
| Electricity | $154 | $1,850 |
| Total | $4,008 | $48,096 |
Income You'd Need if You Spent...
Kentucky FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-17 | Price change | $598,000 |
| 2026-07-20 | Listed for sale | $615,000 |
| 2001-01-18 | Sold | $365,000 |
| 1995-08-01 | Sold | $300,630 |
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