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428 Houston Oaks Dr, Paris, KY, 40361

5beds
3baths
2,958sqft
$699,000
$236price/sqft
$4,699/moest. monthly cost
$187,960/yrincome needed

About This Home

Welcome to Sunrise Brilliance and Sunset Beauty, seated on the 11th Fairway of top-rated Houston Oaks Golf Course in Paris, Ky! Enjoy the unmatched splendor of Bluegrass Horse Country, with the convenience of metro-Lexington in proximity. Overlooking luxurious meadow-like fairways and peaceful still waters, this home offers elegance, serenity, and delight. As you enter in, you're sure to feel the ambiance of peace, beauty, and natural light. This all-brick, custom-built 5-bedroom, 3-bath home has been completely re-energized with rich, caramel-toned floors, bespoke sea-glass appliances, gold and white custom lighting, vibrant fireplace, fresh paint, new deck, and a spectacular, spa-like primary bath that feels like an ocean retreat! A striking entry leads into a brilliant living room with a cathedral ceiling, tiered crystal-globe chandelier, large seating area, custom stone and glass fireplace, beautiful views, and abundant streams of natural light. The kitchen is the heartbeat of the home and the perfect place for family and friends, with glistening granite countertops, brand new bespoke glass appliances, a large island, spacious cabinetry, and gracious seating area. The bay window overlooks the expansive deck and spectacular golf course views. The front of the home features a formal dining room with tray ceilings, large windows, and a brilliant, sun-light chandelier. The main-level primary suite offers a relaxing retreat with tray ceilings, generous arched-windows, two walk-in closets, and a brand new, one-of-a-kind spa-like ensuite bath. An additional first-floor wing, featuring another bedroom, office or family-room, with full golf course views and ensuite bath, provides both convenience and flexible use of space. Upstairs, you'll find three large bedrooms and full bath, providing plenty of space for family, guests, or a variety of living needs. The home also has a spacious attic, that could easily be converted to a family playroom or artist retreat. Step outside to a brand-new, custom-rounded Trex deck where you can relax or entertain while enjoying panoramic views of fairways, lakes, wildlife sightings, and glorious sunsets. Located in a deed-restricted, pristine community with no HOA fees, this house offers luxury, comfort, and scenic beauty, with the ambience of being home!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

5/10
4/10

Construction

Condition

  • Year built: 2008

Materials

  • Foundation: Block
  • Construction materials: Brick Veneer

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Range
  • Laundry features: Main Level

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Entrance Foyer,Walk-In Closet(s)
  • Door features: Storm Door(s)
  • Flooring: Carpet,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,958

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,958
  • Total interior livable area: 2,958 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 0185002003.00

Features

  • Levels: One and One Half
  • Has view: Yes
  • View description: Neighborhood,Other,Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 0.33 Acres
  • Features: Landscaped,On Golf Course

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Driveway,Garage Door Opener,Garage Faces Rear
  • 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

  • Strong Wind
    Strong WindVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Strong Wind
Inland Flooding
Lightning
Tornado
Winter Weather
Cold Wave
Hail
Ice Storm

FEMA Declared Disasters Across Kentucky Counties

Flood
Hurricane
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
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 $3,534$42,408
Home Insurance *$435$5,220
Property Taxes $497$5,964
Electricity $233$2,803
Total$4,699$56,388
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$161,108/yr
40% on housing$140,970/yr
45% on housing$125,306/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: 12.3%
12.3%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$236This listing

vs Other Active Listings

Avg $/sqft

ZIP 40361$855
Bourbon County$818

vs Homes Sold Last Month

Median $/sqft

ZIP 40361$141
Bourbon County$176

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
2026-04-29Listed for sale$750,000
2023-06-14Sold$540,000
2023-05-15Pending sale$540,000
2023-05-04Price change$540,000
2023-03-09Listed for sale$549,900
2022-08-15Listing removed--
2022-05-16Price change$575,000
2022-05-01Listed for sale$625,000
2016-07-18Sold$159,000
2015-09-04Sold$340,000
2015-07-20Pending sale$350,000
2015-04-08Price change$350,000
2014-11-15Listed for sale$365,000
2007-06-14Sold$69,000

For Sale by Agent

AgentJustin Satterwhite
BrokerageSimpliHOM

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