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1239 Caldwell Rd, Murray, KY, 42071

4beds
3baths
2,817sqft
$499,000
$177price/sqft
$3,554/moest. monthly cost
$142,160/yrincome needed

About This Home

Spacious 2-story home with 4 bedrooms, 2 full baths, and 2 half baths on 5.88 acres. The main level features 3 bedrooms, including two en-suites. The primary suite offers access to a private porch, a walk-in closet, and a walk-in shower. A second en-suite also includes a walk-in shower. Upstairs, you'll find the 4th bedroom with a private half bath, walk-in closet, and an additional sitting or office area, perfect for working from home or quiet relaxation. Hardwood floors lie under the carpet in the living room and hallway. Modern comforts include a whole-home generator and tankless hot water heater. Outdoor highlights include covered front and back porches, two ponds—one with a fountain and dock—and a versatile horse barn with two current stalls (previously four), tack room, workshop space, storage, and hay loft. With abundant acreage, outbuildings, and water features, this property combines comfort, functionality, and peaceful country living.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2007

Materials

  • Foundation: Block
  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Oven
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • In-Law Floorplan,Walk-In Closet(s),Ceiling Fan(s)
  • Flooring: Carpet,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Propane
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,817

Heating & Cooling

  • Heating features: Propane
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,817
  • Total interior livable area: 2,817 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 01600031

Features

  • Levels: Two
  • Horses can be raised: Yes

Lot

  • Lot size: 5.88 Acres
  • Features: Landscaped

Parking

  • Total spaces: 2
  • Parking features: Detached Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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

  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Ice Storm
Lightning
Strong Wind
Tornado
Winter Weather
Drought
Hail
Heat Wave

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 $2,523$30,276
Home Insurance *$425$5,100
Property Taxes $384$4,608
Electricity $222$2,669
Total$3,554$42,648
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,851/yr
40% on housing$106,620/yr
45% on housing$94,773/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -4.6%
-4.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$177This listing

vs Other Active Listings

Avg $/sqft

ZIP 42071$142
Calloway County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 42071$141
Calloway County$138

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
2026-07-18Price change$499,000
2026-06-10Price change$520,000
2026-04-01Price change$530,000
2026-03-06Price change$538,000
2025-09-19Listed for sale$539,000
2023-05-30Sold$365,000
2023-04-04Listed for sale$380,000
2023-03-31Listing removed--
2023-03-31Price change$380,000
2023-02-27Listed for sale$360,000

For Sale by Agent

AgentEric Crawford
BrokerageBenchmark Realty, LLC - Murray

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