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1729 J M Mercer Campsite Rd, Hudson, KY, 40145

3beds
2baths
1,356sqft
$189,000
$139price/sqft
$1,287/moest. monthly cost
$51,480/yrincome needed

About This Home

This sweet property has recently been completely remodeled and is ready for its next owner!! 1729 J M Mercer campsite Rd. has a layout and setting that you will love! When you drive up the driveway you will notice all of the convenient parking space for all your lake guests. Walk into the cute and quaint kitchen complete with a handy washer/dryer utility closet. The space and woodburning fireplace in the living room create the perfect atmosphere for making memories with friends and family! The primary bedroom and bathroom right off the kitchen provide plenty of closet space and a nice glass sliding door that leads you to the deck to take in those beautiful views of nature. Two more bedrooms and another full bathroom complete the home. This property has a great amount of yard space for playtime and hobbies spanning multiple lots and sitting on almost two acres! Store all of your equipment and lake toys in the easily accessible crawlspace underneath the home. The lot across the street gives you access to Rough River Lake with a path that the Sellers have just put in! There is no dock associated with this property but Buyers are encouraged to talk to the COE about the possibility of one. Call the listing agent today for more information or to schedule a private tour!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

7/10
5/10

Construction

Condition

  • Year built: 1980

Materials

  • Foundation: Crawl Space
  • Roof: Metal
  • Construction materials: Vinyl Siding,Brick

Type & Style

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

Interior

Basement

  • Basement: None

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,356

Heating & Cooling

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

Interior Area

  • Total structure area: 1,356
  • Total interior livable area: 1,356 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: JMM 20

Features

  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: See Remarks
  • Fencing: None

Lot

  • Lot size: 1.91 Acres
  • Features: See Remarks

Parking

  • Parking features: Driveway
  • 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

  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $955$11,460
Home Insurance *$121$1,452
Property Taxes $57$684
Electricity $154$1,850
Total$1,287$15,444
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,125/yr
40% on housing$38,610/yr
45% on housing$34,320/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: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.9%
3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$139This listing

vs Other Active Listings

Avg $/sqft

ZIP 40145$76
Breckinridge County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 40145
Breckinridge County$150

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
2026-04-09Price change$199,000
2026-03-07Listed for sale$230,000
2025-12-09Listing removed$275,000
2025-08-29Price change$275,000
2025-08-20Price change$285,000
2025-08-08Price change$294,000
2025-07-25Listed for sale$299,000
2024-04-16Sold$70,000
2024-03-13Contingent$83,500
2024-03-11Price change$83,500
2024-03-05Price change$84,000
2024-02-28Price change$96,500
2024-02-23Price change$98,500
2024-02-16Price change$99,000
2024-02-07Price change$105,000
2024-01-31Listed for sale$110,000
2023-09-08Listing removed--
2023-03-08Listing removed$130,000
2023-03-08Listed for sale$130,000

For Sale by Agent

AgentRiley Whitfill
BrokerageGreater Rough River Realty Group

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