110 Saratoga Dr, Frankfort, KY, 40601
About This Home
Stunning 5-bedroom, 4-bath home in the sought-after Two Creeks gated community offering 5,500 sq ft of beautifully finished living space across two levels. The main level features a spacious primary suite with massive walk-in closet, an eat-in kitchen with granite countertops, gas range, and stainless appliances. The family room boasts a gas fireplace with built-ins and large glass doors with neighborhood views. Seller-installed oak hardwood floors, crown molding, and generous trim add warmth and character throughout. All windows replaced with Pella windows. Upstairs includes a large sitting area with full bath. The fully finished walk-out basement offers a family room, den, office, wet bar with sink, ample storage, and a unique concrete bomb shelter with 10" thick walls. Two gas fireplaces total. Attached 2-car garage plus detached 1-car garage. Deck, patio, and porch provide excellent outdoor living. Zoned Hearn Elem / Elkhorn Middle / Franklin Co High.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2001
Materials
- Foundation: Concrete Perimeter
- Roof: Shingle
- Construction materials: Brick Veneer
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Disposal,Dishwasher,Gas Range,Microwave,Refrigerator
- Laundry features: Electric Dryer Hookup,Washer Hookup
Basement
- Has basement: Yes
- Basement: Finished,Full,Walk-Out Access
Bathroom1
- Level: First
Bathroom2
- Level: Second
Bathroom3
- Level: Second
Bathroom4
- Level: Lower
Bedroom1
- Level: Second
Bedroom2
- Level: Second
Bedroom3
- Level: Second
Bedroom4
- Level: Lower
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 4
Features
- Breakfast Bar,Entrance Foyer,Eat-in Kitchen,Walk-In Closet(s),Ceiling Fan(s)
- Window features: Storm Window(s),Blinds
- Flooring: Carpet,Hardwood,Tile
- Number of fireplaces: 2
- Fireplace features: Basement,Family Room,Gas Log
- Fireplace: Yes
- Finished area below ground: 2,449
- Finished area above ground: 3,051
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Heat Pump
Interior Area
- Total structure area: 5,500
- Total interior livable area: 5,500 sqft
Kitchen
- Level: First
Master Bedroom
- Level: First
Property
Details
- Parcel number: 0854006006.00
Features
- Levels: One and One Half
- Has view: Yes
- View description: Neighborhood,Farm
Lot
- Lot size: 0.48 Acres
Parking
- Total spaces: 3
- Parking features: Attached Garage,Detached Garage,Driveway,Off Street,Garage Faces Front
- 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 | $4,550 | $54,600 |
| Home Insurance * | $500 | $6,000 |
| Property Taxes | $788 | $9,456 |
| Electricity | $434 | $5,212 |
| Total | $6,272 | $75,264 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-27 | Listed for sale | $900,000 |
| 2025-11-15 | Listing removed | $900,000 |
| 2025-10-24 | Price change | $900,000 |
| 2025-09-12 | Price change | $925,000 |
| 2025-07-01 | Price change | $999,999 |
| 2025-05-14 | Listed for sale | $1,100,000 |
| 2025-04-26 | Listing removed | $1,200,000 |
| 2025-01-14 | Listed for sale | $1,200,000 |
| 2019-03-08 | Sold | $462,500 |
| 2019-02-14 | Pending sale | $515,000 |
| 2019-02-01 | Price change | $515,000 |
| 2018-12-27 | Listed for sale | $525,000 |
| 2004-11-22 | Sold | $475,000 |
For Sale by Agent
View on Zillow