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485 Bentwood Ln, Falls Of Rough, KY, 40119

2beds
2baths
1,989sqft
$489,000
$246price/sqft
$3,337/moest. monthly cost
$133,480/yrincome needed

About This Home

If you've spent any time on Rough River Lake, you know Bentwood is one of those neighborhoods people wait for - and this is exactly the kind of property that makes it worth it. Waterfront with a dock on Long Lick Creek, a calm channel in a no-ski zone, sleeping capacity for up to 16, and a separate 30x40 garage on an additional lot. This is a setup that's hard to find. Inside, the home offers 2 bedrooms, 2 full baths, a loft - set up as a sleeping room, and approximately 1,989 finished square feet, including a finished walkout basement. The layout is designed to comfortably handle large groups, with multiple sleeping areas that allow the home to accommodate up to 16 people. The main level features an open living, dining, and kitchen area with vaulted ceilings and large windows that bring in natural light and wooded lake views. Hardwood flooring runs through the main living space, and the kitchen includes wood cabinetry, tile flooring, and a central island that keeps everything connected. The main-level bedroom offers a large closet, and the full bathroom on this level includes tile finishes along with a dedicated laundry area. Upstairs, the loft overlooks the main living space and provides additional sleeping or flexible-use space. The finished walkout basement expands the home's functionality with a second living area, kitchenette, built-in full-size bunk beds with shiplap detail, an additional bedroom, and a second full bathroom. This level works well as a separate space for guests to spread out. Outdoor living is set up for full use of the property, with an upper deck off the main level and a covered lower patio creating two distinct gathering areas with an amazing lake view. A staircase leads down to the dock, which is positioned in a protected section of the lake and includes a jet ski ramp. Across the street, the additional lot features a 30x40 garage with concrete floors and electric, along with a large gravel parking area - giving you the space for boats, vehicles, and lake gear that many waterfront properties lack. On the water, the dock is positioned just off the main channel in a "no-ski" zone. Long Lick Creek offers a unique balance of space and protection. You get wide water without heavy through traffic, making it ideal for swimming, floating, and relaxed lake days at the dock, while still being able to reach the main lake within minutes. What truly separates this location is how close it is to everything that makes Rough River Lake enjoyable. By water, you're less than five minutes to Nick's Boat Dock for fuel, food, and supplies, and right in the middle of the Axtel area where many of the lake's restaurants, marinas, and gathering spots are located. From here, you can quickly access Big Bay, Sandy Beach, Ski Island, and Rough River Dam State Resort Park without long boat rides. Off the water, the location continues to deliver. You're approximately 10-12 minutes to the North Fork area by car for restaurants, a hardware store, and multiple boat ramps, about 20 minutes to Hardinsburg, and roughly 25-27 minutes to Leitchfield for groceries and everyday essentials. Homes in Bentwood - especially with this combination of quality construction, location, waterfront setting, and usable space - tend to sell quickly, and this one brings it all together in a way that's hard to replicate.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

7/10
5/10

Construction

Condition

  • Year built: 2008

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Walkout Finished

Bedroom

  • Level: First

Bedroom

  • Level: Basement

Bedrooms & Bathrooms

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

Dining Area

  • Level: First

Family Room

  • Level: Basement

Features

  • Finished area below ground: 884
  • Finished area above ground: 1,105

Full Bathroom

  • Level: First

Full Bathroom

  • Level: Basement

Heating & Cooling

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

Interior Area

  • Total structure area: 1,105
  • Total interior livable area: 1,989 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Loft

  • Level: Second

Other

  • Level: Basement

Property

Details

  • Parcel number: B W 229 & B W 148

Features

  • Stories: 2
  • Patio & porch: Deck,Patio
  • Exterior features: Boat Slip
  • Fencing: Privacy,Partial,Wood
  • On waterfront: Yes
  • Waterfront features: Lake Front

Lot

  • Lot size: 0.87 Acres
  • Features: Irregular Lot,Easement,Wooded

Parking

  • Total spaces: 4
  • Parking features: Detached,Entry Side,Driveway
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • 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
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Ice Storm
Strong Wind
Cold Wave
Inland Flooding
Tornado
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 $2,472$29,664
Home Insurance *$365$4,380
Property Taxes $343$4,116
Electricity $157$1,884
Total$3,337$40,044
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,411/yr
40% on housing$100,110/yr
45% on housing$88,986/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

$246This listing

vs Other Active Listings

Avg $/sqft

ZIP 40119$139
Breckinridge County$137

vs Homes Sold Last Month

Median $/sqft

ZIP 40119
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
2026-05-05Listed for sale$489,000
2020-12-09Sold$295,000
2012-05-29Sold$225,000
2012-03-07Listed for sale$265,000

For Sale by Agent

AgentAlissa Doan
BrokerageRed Edge Realty

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