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1129 Indian Ridge Rd, Leitchfield, KY, 40119

2beds
2baths
1,200sqft
$359,900
$300price/sqft
$2,307/moest. monthly cost
$92,280/yrincome needed

About This Home

Enjoy stunning Rough River Lake views from this beautifully updated 2 bedroom, 2 full bath lake retreat situated on nearly one acre. This approximately 1,200 sq ft home also features a loft area offering potential for a 3rd bedroom, additional sleeping space, or bonus area, providing flexibility for family and guests. The home features numerous recent updates including new flooring, fresh paint, updated countertops, new appliances, and one fully remodeled bathroom, making it move-in ready. The open and inviting layout is designed to take full advantage of the incredible lake views. Step outside to the covered rear deck and the front covered porch for the perfect outdoor living space—great for entertaining, relaxing, or enjoying peaceful sunsets over the lake in any weather. A charming walk-down pergola overlooking the water provides an additional outdoor gathering space and enhances the property's lakefront feel. Storage and parking are abundant with a 2-car detached garage, two carports, and an additional storage building—ideal for boats, lake toys, and equipment. With two lots totaling nearly an acre, there's plenty of room to expand, add outdoor amenities, or simply enjoy the extra space. Boat dock access is possible with COE approval. The neighborhood boat ramp and courtesy dock make launching your boat a breeze and Indian Valley is a family oriented, golf cart friendly neighborhood with activities all season. Don't miss this opportunity to own a well-maintained lakeview property with space, updates, and incredible views at Rough River Lake—perfect as a weekend getaway, full-time residence, or investment property.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
8/10
4/10

Construction

Condition

  • Year built: 1985

Materials

  • Foundation: Crawl Space
  • Roof: Dimensional,Shingle
  • Construction materials: Aluminum Siding,Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame,Ranch
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Microwave,Refrigerator,Oven,Electric Water Heater
  • Laundry features: W/D Hookup

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Cathedral Ceiling(s),Ceiling Fan(s)
  • Window features: Replacement Windows
  • Flooring: Laminate
  • Fireplace features: None
  • Attic: None
  • Finished area below ground: 0
  • Finished area above ground: 1,200

Heating & Cooling

  • Heating features: Forced Air,Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,200
  • Total interior livable area: 1,200 sqft

Kitchen

  • Features: Bar

Property

Details

  • Parcel number: INDIANV082

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Gas Grill,Scenic

Lot

  • Lot size: 0.82 Acres
  • Features: 100-150 Front,Landscaped
  • Lot size dimensions: 0.82

Parking

  • Total spaces: 4
  • Parking features: Carport,Detached,Gravel
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 4
  • Has uncovered spaces: Yes
  • 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

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

How This Home’s Risks Compare

Hail
Ice Storm
Strong Wind
Tornado
Cold Wave
Heat Wave
Inland Flooding
Lightning
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 $1,819$21,828
Home Insurance *$307$3,684
Property Taxes $27$324
Electricity $154$1,850
Total$2,307$27,684
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,097/yr
40% on housing$69,210/yr
45% on housing$61,520/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$300This listing

vs Other Active Listings

Avg $/sqft

ZIP 40119$144
Grayson County$159

vs Homes Sold Last Month

Median $/sqft

ZIP 40119
Grayson County$162

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
2026-04-07Listed for sale$375,000
1994-05-01Sold$17,500

For Sale by Agent

AgentRandy S Hayden
BrokerageCHANGE OF PLACE REAL ESTATE, LLC

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