108 Saratoga Dr, Frankfort, KY, 40601
About This Home
FIRST TIME ON THE MARKET. Experience timeless elegance and exceptional craftsmanship in this stunning custom home located in the highly desirable gated community of Two Creeks. Nestled on just over one acre, this impressive residence offers over 7,500 square feet of thoughtfully designed living space with 4 spacious bedrooms, 6 bathrooms, and luxurious finishes throughout. The open-concept main level showcases beautiful wood flooring, an exceptional gourmet kitchen with high-end appliances, an inviting great room with fireplace, formal dining room, a cozy sitting room and a bright sunroom. The luxurious primary suite offers dual walk-in closets and a spa-inspired bath complete with a soaking tub, separate shower, and dual vanities. An additional first-floor bedroom with a private en-suite bath provides ideal accommodations for guests or multi-generational living. Upstairs, two generously sized bedrooms each featuring private baths and share a comfortable sitting area. The finished lower level expands your living space with a large family room, home office with custom built-ins, full bath, partial kitchen, and abundant storage. An additional room with a walk in closet could be used as an extra bedroom, office or more storage. Outdoor living is equally impressive, with a resort-style in-ground salt water heated pool, dedicated pool house with half bath, outdoor fireplace, waterfall, with beautifully landscaped grounds designed for entertaining and relaxation. Additional highlight includes an oversized three-car attached garage perfect for that golf cart. Golf, tennis, pickleball, pool, dining are all available by joining the beautiful Frankfort Country Club which sits within the confines of Two Creeks. Minutes from Lexington, this extraordinary property seamlessly combines luxury, comfort, and functionality, creating a truly exceptional place to call home.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2000
Materials
- Foundation: Concrete Perimeter
- Roof: Dimensional Style,Shingle
- Construction materials: Brick Veneer
Type & Style
- Home type: SingleFamily
- Architectural style: Cape Cod
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Disposal,Double Oven,Dishwasher,Gas Range,Microwave,Refrigerator,Cooktop,Range,Vented Exhaust Fan
- Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup
Basement
- Has basement: Yes
- Basement: Concrete,Exterior Entry,Partially Finished,Sump Pump
Bathroom2
- Level: First
Bathroom3
- Level: First
Bathroom4
- Level: Second
Bathroom5
- Level: Second
Bedroom2
- Level: First
Bedroom3
- Level: Second
Bedroom4
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 6
- Full bathrooms: 5
- 1/2 bathrooms: 1
Bonus Room
- Level: Second
Den
- Level: First
Dining Room
- Level: First
Family Room
- Level: Lower
Features
- Central Vacuum,Eat-in Kitchen,Wet Bar,Walk-In Closet(s),Ceiling Fan(s),Soaking Tub
- Window features: Skylight(s),Window Treatments,Blinds
- Flooring: Carpet,Tile,Wood
- Number of fireplaces: 1
- Fireplace features: Family Room,Gas Log,Gas Starter,Master Bedroom
- Fireplace: Yes
- Finished area below ground: 2,397
- Finished area above ground: 5,152
Heating & Cooling
- Heating features: Forced Air,Humidity Control,Natural Gas
- Cooling features: Central Air,Ceiling Fan(s),Electric,Exhaust Fan,Multi Units
Interior Area
- Total structure area: 7,549
- Total interior livable area: 7,549 sqft
Kitchen
- Level: First
Kitchen
- Level: Lower
Living Room
- Level: First
Master Bathroom
- Level: First
Master Bedroom
- Level: First
Office
- Level: Lower
Other
- Level: First
Other
- Level: Lower
Other
- Level: Lower
Utility Room
- Level: First
Property
Details
- Parcel number: 0854006005.00
- Other equipment: Dehumidifier,Irrigation Equipment
Features
- Levels: Two
- Private pool: Yes
- Pool features: In Ground
- Exterior features: Basketball Court,Fire Pit
- Fencing: Other,Wood
- Has view: Yes
- View description: Neighborhood,Farm
Lot
- Lot size: 1.08 Acres
- Features: Landscaped,Few Trees
Parking
- Total spaces: 3
- Parking features: Attached Garage,Basement,Driveway,Garage Door Opener,Garage Faces Side
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- 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
- Inland Flooding
- Lightning
- Tornado
- 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 | $8,085 | $97,020 |
| Home Insurance * | $889 | $10,668 |
| Property Taxes | $1,631 | $19,572 |
| Electricity | $596 | $7,153 |
| Total | $11,201 | $134,412 |
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 |
|---|---|---|
| 2026-07-30 | Listed for sale | $1,599,000 |
| 2018-06-05 | Sold | $755,000 |
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