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746 Thornhill Rd, Madisonville, KY, 42431

4beds
4baths
3,828sqft
$664,900
$174price/sqft
$4,907/moest. monthly cost
$196,280/yrincome needed

About This Home

Beautiful brick 4+ bedroom home with 3,800+ sq ft of thoughtfully designed living space on a cul-de-sac with pond views, balancing privacy and convenience. A grand foyer w/soaring 18-foot ceilings creates an immediate sense of scale, anchored by a striking front staircase and complemented by a secondary staircase off the kitchen for added functionality. The main-level primary suite is designed as a private retreat, featuring elevated ceiling details, a walk-in closet measuring approximately 10x10, and a standout bathroom with a soaking tub framed by architectural columns, a custom tray ceiling, and chandelier lighting.Multiple living areas provide flexibility, including a large upper-level space ideal for a secondary living area, media room, or game room, plus an office that can serve as an additional bedroom.Expansive windows bring in natural light throughout. Additional highlights include a whole-house generator capable of powering nearly the entire home, large det. garage w/loft.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

6/10
Pride Elementary SchoolGrades PK-51.7 mi
4/10

Construction

Condition

  • Year built: 1995

Materials

  • Roof: Composition
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Dishwasher,Disposal,Microwave,Electric Range,Range Hood,Refrigerator,Other-See Remarks
  • Laundry features: Main Level

Basement

  • Basement: None,Crawl Space

Bathroom

  • Level: Main,Upper

Bedroom

  • Level: Main,Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main

Features

  • Cathedral Ceiling(s),Ceiling Fan(s),Crown Molding,Pantry,Split Bedroom,Walk-In Closet(s),Other-See Remarks
  • Window features: Double Pane Windows,Screens,Mini Blinds,Plantation Shutters
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: 1,Gas Log,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Electric

Interior Area

  • Total structure area: 3,828
  • Total interior livable area: 3,828 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Property

Details

  • Parcel number: M1818G11

Features

  • Levels: One and One Half
  • Patio & porch: Patio-Screened,Stoop-Covered
  • Exterior features: Other-See Remarks,Lighting
  • Has spa: Yes
  • Spa features: Bath

Lot

  • Lot size: 1.22 Acres
  • Features: Cul-De-Sac,Landscaped,Wooded
  • Lot size dimensions: 1.22

Parking

  • Parking features: Attached,Detached,Concrete
  • Has garage: Yes
  • 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

  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Earthquake
    EarthquakeRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

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 $3,362$40,344
Home Insurance *$738$8,856
Property Taxes $505$6,060
Electricity $302$3,627
Total$4,907$58,884
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$168,240/yr
40% on housing$147,210/yr
45% on housing$130,853/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: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$174This listing

vs Other Active Listings

Avg $/sqft

ZIP 42431$108
Hopkins County$111

vs Homes Sold Last Month

Median $/sqft

ZIP 42431$114
Hopkins County$110

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
2026-04-14Listed for sale$689,900
2021-03-24Listing removed--
2019-12-09Listing removed$399,900
2019-11-06Pending sale$399,900
2019-07-06Listed for sale$399,900
2015-02-27Sold$310,000

For Sale by Agent

AgentSarah Stone Wilkes
BrokerageHeritage Homes Real Estate

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