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1199 Flat Rock Rd, Breeding, KY, 42715

3beds
2baths
1,412sqft
$189,900
$134price/sqft
$1,311/moest. monthly cost
$52,440/yrincome needed

About This Home

Looking for a peaceful country setting just 15 minutes from the city limits of Columbia, KY? This beautifully remodeled brick home offers scenic views overlooking a neighboring farm and a gorgeous pond, creating the perfect backdrop for relaxed country living. Inside, you’ll find over 1,400 square feet of well-designed living space, featuring a spacious eat-in kitchen and dining combination, a large living room with double windows that frame the stunning outdoor views, three comfortable bedrooms, and one and a half baths. Every detail reflects thoughtful updates and timeless charm. Outside, the property sits on just over an acre of unrestricted land and includes a large storage building—ideal for gardening tools, equipment, or extra storage. If you’ve been waiting for a move-in-ready home with country charm, space to spread out, and an unbeatable location, this one is a must-see. Homes like this rarely come available at this price point—don’t miss your opportunity!

Getting Around

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

Schools

--
Adair County Primary CenterGrades PK-211.4 mi
5/10
4/10
Adair County High SchoolGrades 9-1211.6 mi

Construction

Condition

  • Year built: 1970

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Washer,Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Basement: None,Crawl Space

Bathroom

  • Features: Separate Shower

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Other,Walls (Dry Wall),Country Kitchen,Eat-in Kitchen,Kitchen/Dining Combo
  • Flooring: Laminate
  • Fireplace features: None

Heating & Cooling

  • Heating features: Forced Air,Heat Pump,Electric
  • Cooling features: Central Air,Central Electric

Interior Area

  • Total structure area: 1,412
  • Total interior livable area: 1,412 sqft

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: Walk in Shower

Details

  • Parcel number: 017000001100

Features

  • Patio & porch: Covered Front Porch
  • Exterior features: Garden
  • Fencing: None
  • Waterbody name: Dale Hollow

Lot

  • Lot size: 1 Acres
  • Features: Cleared,Rural Property,County,Farm,Out of City Limits

Parking

  • Total spaces: 1
  • Parking features: Attached Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $960$11,520
Home Insurance *$197$2,364
Property Taxes $0$0
Electricity $154$1,850
Total$1,311$15,732
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,948/yr
40% on housing$39,330/yr
45% on housing$34,960/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.2%
2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$134This listing

vs Other Active Listings

Avg $/sqft

ZIP 42715
Adair County$161

vs Homes Sold Last Month

Median $/sqft

ZIP 42715
Adair County$118

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
2026-04-27Price change$199,900
2026-01-12Listed for sale$225,000
2026-01-09Sold$2,000

For Sale by Agent

AgentElaine Rowlett
BrokerageSouthern Nest Realty, LLC

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