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2004 White Oak Dr, Lawrenceburg, KY, 40342

3beds
2baths
1,344sqft
$285,000
$212price/sqft
$1,976/moest. monthly cost
$79,040/yrincome needed

About This Home

Welcome to 2004 White Oak Trail! This move-in ready home offers 3 bedrooms, 2 full bathrooms, and a spacious open floor plan that makes the most of every square foot. The living room features a fireplace and flows seamlessly into the kitchen and dining area, creating a comfortable space for family gatherings, game nights, or simply relaxing at the end of the day. The attached 2-car garage provides plenty of storage and convenience, while the fully fenced backyard offers space for pets, play, and outdoor enjoyment. Well-maintained and ready for its next owners, this one deserves a look!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2010

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Brick

Type & Style

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

Interior

Basement

  • Basement: None

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,344

Full Bathroom

  • Level: First

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,344
  • Total interior livable area: 1,344 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 4936052

Features

  • Stories: 1
  • Patio & porch: Deck,Porch
  • Fencing: Wood

Lot

  • Lot size: 0.25 Acres
  • Lot size dimensions: 0

Parking

  • Total spaces: 2
  • Parking features: Attached,Driveway
  • 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

  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Kentucky Counties

Flood
Hurricane
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
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 $1,441$17,292
Home Insurance *$162$1,944
Property Taxes $219$2,628
Electricity $154$1,850
Total$1,976$23,712
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,748/yr
40% on housing$59,280/yr
45% on housing$52,693/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: 7.3%
7.3%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -3.1%
-3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$212This listing

vs Other Active Listings

Avg $/sqft

ZIP 40342$164
Anderson County$164

vs Homes Sold Last Month

Median $/sqft

ZIP 40342$168
Anderson County$186

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
2026-07-23Price change$285,000
2026-07-02Price change$300,000
2026-06-25Listed for sale$310,000
2022-01-21Sold$211,000
2021-11-12Pending sale$200,000
2021-11-10Listed for sale$200,000
2020-08-27Sold$185,000
2020-07-12Pending sale$185,000
2020-07-10Listed for sale$185,000
2017-08-01Sold$124,900
2009-11-06Sold$24,900

For Sale by Agent

AgentAnna-Marie Hyatt
BrokerageLois Ann Disponett Real Estate

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