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61 Meadow Lake Ln, Hardinsburg, KY, 40143

5beds
3baths
2,368sqft
$539,000
$228price/sqft
$3,672/moest. monthly cost
$146,880/yrincome needed

About This Home

Pack your bags! Your dream home awaits. Nestled on more than 7 acres in a desirable Rough River Lake community, this exceptional custom-built home offers the perfect blend of privacy, space, and craftsmanship. Featuring 5 bedrooms and 3 full baths, every detail was thoughtfully designed with quality and comfort in mind. Step inside to find beautiful hardwood floors, custom built-ins, spacious living areas, and timeless finishes throughout. The walkout basement provides additional living and entertaining space, while the attached two-car garage and impressive 36' x 60' detached shop with cantilever-covered parking offer endless possibilities for storage, hobbies, and recreation. Outside, you'll enjoy an above-ground pool, a screened porch overlooking peaceful countryside views, and the tranquility that only acreage can provide. A dock with COE approval adds even more appeal for lake lovers. This was built to be a forever home and now it has the opportunity to become yours. Words and photos simply cannot capture everything this property has to offer. Experience it in person and see why this is one of the most remarkable opportunities on the market.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

7/10
5/10

Construction

Condition

  • Property condition: New Construction
  • Year built: 2009

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Area: 2368

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom

  • Features: None

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Main

Bedroom5

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Features

  • None,Eat-in Kitchen
  • Flooring: None
  • Fireplace features: None

Heating & Cooling

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

Interior Area

  • Total structure area: 2,368
  • Total interior livable area: 2,368 sqft

Kitchen

  • Features: Eat-in Kitchen

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: ML53

Features

  • Pool features: Above Ground
  • Patio & porch: Covered Front Porch,Deck,Screened Porch
  • Exterior features: Landscaping
  • Fencing: Fenced Pool Area

Lot

  • Lot size: 7.50 Acres
  • Features: Rural Property,Dead End,Farm,Out of City Limits,Recreational Area,Subdivided

Parking

  • Total spaces: 2
  • Parking features: Attached,Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $2,725$32,700
Home Insurance *$346$4,152
Property Taxes $414$4,968
Electricity $187$2,244
Total$3,672$44,064
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$125,897/yr
40% on housing$110,160/yr
45% on housing$97,920/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

$228This listing

vs Other Active Listings

Avg $/sqft

ZIP 40143$123
Breckinridge County$137

vs Homes Sold Last Month

Median $/sqft

ZIP 40143
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
2026-06-15Listed for sale$539,000
2008-05-14Sold$28,500

For Sale by Agent

AgentJosh Watson
BrokerageREAL DEAL REALTY LLC

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