2227 Lock Rd, Carrollton, KY, 41008
About This Home
Perched on a quiet hillside overlooking wide--open farm acreage and the winding Kentucky River, this 4 bed, 2.5 bath home on 1.4 private acres delivers the kind of peace you can't manufacture. Sunrise breaks over rolling pastures, evenings settle in with river breezes, and every window frames a view worth slowing down for. Set back from the road with natural privacy all around, the property offers room to breathe without sacrificing convenience. Inside, you'll find generous living spaces, comfortable bedrooms, and a layout built for both everyday living and weekend gatherings. Outside, the hillside setting gives you a front-row seat to some of the most beautiful scenery the Bluegrass has to offer.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1974
Materials
- Foundation: Concrete Blk
- Roof: Shingle
- Construction materials: Wood Frame,Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Raised Ranch
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Walkout Finished
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Breakfast Room
- Level: First
Family Room
- Level: First
Features
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area below ground: 1,316
- Finished area above ground: 1,316
Heating & Cooling
- Heating features: Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 1,316
- Total interior livable area: 2,632 sqft
Kitchen
- Level: First
Laundry
- Level: Second
Living Room
- Level: First
Other
- Level: Second
Primary Bathroom
- Level: First
Primary Bedroom
- Level: First
Property
Details
- Parcel number: 19360107
Features
- Stories: 2
- Patio & porch: Deck,Patio
- Exterior features: Balcony
- Fencing: Wood,Brick
Lot
- Lot size: 1.40 Acres
- Features: Wooded
Parking
- Total spaces: 1
- Parking features: Lower Level,Driveway
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- 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
- Strong Wind
- Tornado
- Inland Flooding
- Lightning
- Cold Wave
- Ice Storm
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Kentucky Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,896 | $22,752 |
| Home Insurance * | $344 | $4,128 |
| Property Taxes | $224 | $2,688 |
| Electricity | $207 | $2,494 |
| Total | $2,671 | $32,052 |
Income You'd Need if You Spent...
Kentucky FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-21 | Listed for sale | $399,500 |
| 2026-01-01 | Listing removed | $429,000 |
| 2025-06-08 | Price change | $429,000 |
| 2025-04-16 | Price change | $459,000 |
| 2025-02-09 | Listed for sale | $499,900 |
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