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448 Grist Mill Rd, Stanford, KY, 40484

5beds
3baths
3,076sqft
$435,000
$141price/sqft
$2,976/moest. monthly cost
$119,040/yrincome needed

About This Home

Conveniently located between Stanford and Danville, this spacious home sits on a rare 3.3-acre lot in the desirable Hunters Trace Subdivision. Offering 5 bedrooms, 2.5 bathrooms, and over 3,000 square feet of living space, this home provides plenty of room both inside and out and has had numerous recent repairs and updates completed. Inside, the main level features hardwood flooring and a comfortable living room with a wood-burning fireplace. The home also includes a finished basement, providing additional living space and featuring a second fireplace with propane gas logs, creating another inviting area to relax or entertain. A new interior barn door was recently installed for the main-level office. Several improvements have been completed, including a new roof (2025), new luxury vinyl plank flooring in the kitchen (2026), new refrigerator (2024), and a new dishwasher (2023). Additional updates include a new high-horsepower garage door opener (2026) and HVAC improvements, including a new heat coil and thermostat (2026). The septic system was serviced and risers installed in 2024, and new exterior water spigots with copper piping were installed in 2026. Electrical panel updates were also recently completed by a licensed electrician, including replacement breakers. Additionally, three ultra-quiet bathroom exhaust fans were recently installed. This home also includes two water heaters, a two-car garage, hardwood flooring on the main level, and tile flooring in the basement. Kitchen appliances remain with the home. Outside, the 3.3-acre property offers a rear deck, fenced backyard area, storage shed, and a small creek along the back of the property, creating a peaceful outdoor setting with plenty of space to enjoy. Schedule your private showing today to see everything this beautiful property has to offer.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

6/10
3/10
4/10

Construction

Condition

  • Year built: 1999

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Range
  • Laundry features: Electric Dryer Hookup,Washer Hookup,Lower Level

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access

Bathroom1

  • Level: First

Bathroom2

  • Level: Second

Bathroom3

  • Level: Second

Bedroom1

  • Level: First

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Family Room

  • Level: Lower

Features

  • Eat-in Kitchen,Ceiling Fan(s)
  • Flooring: Carpet,Laminate,Tile,Wood
  • Number of fireplaces: 2
  • Fireplace features: Basement,Gas Log,Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,087
  • Finished area above ground: 1,989

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 3,076
  • Total interior livable area: 3,076 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Office

  • Level: Lower

Office

  • Level: Lower

Property

Details

  • Parcel number: 036011201100

Features

  • Levels: Three Or More
  • Fencing: Chain Link

Lot

  • Lot size: 3.30 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Driveway,Garage Door Opener,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

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 $2,199$26,388
Home Insurance *$300$3,600
Property Taxes $235$2,820
Electricity $242$2,915
Total$2,976$35,712
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,034/yr
40% on housing$89,280/yr
45% on housing$79,360/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: 5.7%
5.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 40484$117
Lincoln County$117

vs Homes Sold Last Month

Median $/sqft

ZIP 40484$163
Lincoln County$166

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
2026-04-16Price change$445,000
2026-03-09Listed for sale$449,900
2023-06-15Sold$370,000
2023-05-10Contingent$375,000
2023-04-25Listed for sale$375,000
2002-01-01Sold$117,100

For Sale by Agent

AgentKarmin Davis
BrokerageBluegrass Regional Real Estate LLC

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