See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

3148 Holmes Bend Rd, Columbia, KY, 42728

2beds
2baths
1,432sqft
$179,900
$126price/sqft
$1,283/moest. monthly cost
$51,320/yrincome needed

About This Home

Location, Location, Location! Just 2 miles from Holmes Bend Boat Dock on Green River Lake, this 1,400 sq. ft. home sits on 1.3 acres m/l and offers endless possibilities as a full-time residence, weekend lake getaway, or investment property. The home features 2 bedrooms with the potential for a 3rd bedroom, 2 full bathrooms, and an eat-in kitchen that opens to the living room, creating a comfortable gathering space. You'll appreciate the abundance of closet space, central heat and air, plus an additional window unit in the family room for added comfort. Flooring consists mostly of carpet and vinyl throughout. An attached rear carport with two separate entrances provides convenient covered access to the home. Outside, the property is set up for storage, hobbies, or future income opportunities. A 20' x 48' five-bay shed offers plenty of room for boats, campers, equipment, or recreational vehicles. The 20' x 24' detached garage includes an attached 14' x 24' covered shed and has excellent potential to be converted into a guest house or Airbnb (subject to local regulations), while still providing covered storage for vehicles or lake toys. Whether you're looking for a home near the lake, extra storage, or an investment with room to grow, this property is worth a look. Call today to schedule your showing!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

6/10
5/10
4/10
Adair County High SchoolGrades 9-126.9 mi

Construction

Condition

  • Year built: 1985

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Range Hood,Refrigerator,Electric Water Heater
  • Laundry features: In Hall

Basement

  • Basement: None,Crawl Space

Bathroom

  • Features: Double Vanity,Separate Shower,Tub,Walk-In Closet(s)

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Features

  • Ceiling Fan(s),Closet Light(s),Vaulted Ceiling(s),Walk-In Closet(s),Walls (Dry Wall),Walls (Paneling),Kitchen/Dining Combo
  • Door features: Storm Door(s)
  • Window features: Storm Window(s),Wood Frames,Blinds,Drapes
  • Flooring: Carpet,Vinyl
  • Fireplace features: None

Heating & Cooling

  • Heating features: Floor,Electric
  • Cooling features: Central Air,Window Unit(s)

Interior Area

  • Total structure area: 1,432
  • Total interior livable area: 1,432 sqft

Kitchen

  • Features: Solid Surface Counter Top

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 060010007600

Features

  • Patio & porch: Porch
  • Exterior features: Concrete Walks,Lighting,Mature Trees,Trees
  • Fencing: None
  • Has view: Yes
  • View description: No Lake View
  • Water view: No Lake View
  • Waterfront features: Public Lake,Lake
  • Waterbody name: Green River

Lot

  • Lot size: 1 Acres
  • Features: Level,Rural Property,Trees,County

Parking

  • Parking features: Attached Carport
  • Has uncovered spaces: Yes
  • Carport: 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 WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Hail
Lightning
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 $909$10,908
Home Insurance *$178$2,136
Property Taxes $42$504
Electricity $154$1,850
Total$1,283$15,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$43,988/yr
40% on housing$38,490/yr
45% on housing$34,213/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

$126This listing

vs Other Active Listings

Avg $/sqft

ZIP 42728$156
Adair County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 42728
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)

No zestimate history available

Price History

DateEventPrice
2026-08-10Pending sale$179,900
2026-07-29Listed for sale$179,900

For Sale by Agent

AgentJerry Robertson
BrokerageSouthern Nest Realty, LLC

Similar Homes