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105 Old Farm Rd, Richmond, KY, 40475

5beds
3baths
5,063sqft
$500,000
$99price/sqft
$3,525/moest. monthly cost
$141,000/yrincome needed

About This Home

Architectural Grace and Timeless Appeal Nestled behind a canopy of mature trees, this expansive ranch offers a rare blend of grand scale and cozy intimacy. From the moment you step onto the striking slate-tiled foyer, you are greeted by a sense of quality and deliberate design. The heart of the home is the magnificent Great Room, featuring soaring vaulted ceilings and a floor-to-ceiling natural stone fireplace that serves as a stunning focal point. Rich parquet wood flooring and bespoke built-in cabinetry add a layer of warmth and sophistication, while multiple sets of French doors invite you out to the deck, creating a seamless connection to the outdoors. Whether you're hosting a formal gathering by the fire or enjoying a quiet morning in the sun-drenched living space, this home offers an unparalleled canvas for a life well-lived. Located close to the new Richmond regional sports complex & park set to open in the spring of 2027 with soccer fields, pickelball/tennis courts, mountain bike trails and a dog park.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10
8/10
Madison Middle SchoolGrades 6-82.5 mi
7/10

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition
  • Construction materials: Other,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Double Oven,Dishwasher,Microwave,Refrigerator
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Finished,Full,Interior Entry,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Eat-in Kitchen,Other,Walk-In Closet(s),Ceiling Fan(s)
  • Window features: Window Treatments
  • Flooring: Carpet,Slate,Tile,Parquet
  • Number of fireplaces: 2
  • Fireplace features: Basement,Family Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 2,138
  • Finished area above ground: 2,925

Heating & Cooling

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

Interior Area

  • Total structure area: 5,063
  • Total interior livable area: 5,063 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: First

Property

Accessibility

  • Accessibility features: Stair Lift

Details

  • Parcel number: 041C00030002

Features

  • Levels: Two
  • Fencing: None

Lot

  • Lot size: 1 Acres
  • Features: Many Trees

Parking

  • Total spaces: 2
  • Parking features: Basement
  • 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

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $2,528$30,336
Home Insurance *$247$2,964
Property Taxes $351$4,212
Electricity $399$4,798
Total$3,525$42,300
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,857/yr
40% on housing$105,750/yr
45% on housing$94,000/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$99This listing

vs Other Active Listings

Avg $/sqft

ZIP 40475$166
Madison County$165

vs Homes Sold Last Month

Median $/sqft

ZIP 40475$175
Madison County$177

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
2026-04-28Listed for sale$575,000

For Sale by Agent

AgentNancy Robertson
BrokerageColdwell Banker McMahan

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