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

4858 Kennedy Bridge Rd, Lancaster, KY, 40444

2beds
2baths
1,400sqft
$310,000
$221price/sqft
$2,170/moest. monthly cost
$86,800/yrincome needed

About This Home

LAKE FRONT HOME WITH DOCK! Ranch home with second structure for guests up and storage downstairs. Great patio for entertaining and morning coffee. Extra-large great room, 26' x 11'8"! Primary bedroom has a large double closet, and bath has a jetted tub. Large kitchen with coffee bar, large family size dining room. Covered porch area for lake views, out of the sun, or watching the rain. Home has solar panels installed! Private dock for water toys, boats etc. Most furniture and items stay with home, a walk out price!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

5/10
Garrard Middle SchoolGrades 6-810.8 mi
8/10
Garrard County High SchoolGrades 9-1212.4 mi

Construction

Condition

  • Year built: 1988

Materials

  • Foundation: Block,Concrete Perimeter
  • Roof: Composition,Dimensional Style,Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Range
  • Laundry features: None

Basement

  • Basement: Crawl Space

Bedroom1

  • Level: First
  • Area: 99

Bedroom2

  • Level: Second
  • Area: 144

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Area: 180

Features

  • Ceiling Fan(s),Soaking Tub
  • Window features: Insulated Windows,Blinds
  • Flooring: Carpet,Hardwood,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,400

Heating & Cooling

  • Heating features: Electric,Heat Pump,Solar
  • Cooling features: Central Air,Electric,Heat Pump

Interior Area

  • Total structure area: 1,400
  • Total interior livable area: 1,400 sqft

Kitchen

  • Level: First
  • Area: 121

Living Room

  • Level: First
  • Area: 312

Master Bathroom

  • Level: First
  • Area: 60

Master Bedroom

  • Level: First
  • Area: 192

Other

  • Level: First
  • Area: 144

Property

Details

  • Parcel number: 04A01029

Features

  • Levels: One,Two
  • Fencing: Chain Link,Partial,Stone
  • Has view: Yes
  • View description: Trees/Woods,Lake,Water
  • Has water view: Yes
  • Water view: Lake,Water
  • On waterfront: Yes
  • Waterbody name: Herrington Lake

Lot

  • Lot size: 0.27 Acres
  • Features: Wooded,Few Trees

Parking

  • Parking features: Driveway,Off Street
  • 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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $1,567$18,804
Home Insurance *$197$2,364
Property Taxes $252$3,024
Electricity $154$1,850
Total$2,170$26,040
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,400/yr
40% on housing$65,100/yr
45% on housing$57,866/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: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.6%
2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$221This listing

vs Other Active Listings

Avg $/sqft

ZIP 40444$148
Garrard County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 40444
Garrard County$153

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
2026-05-01Listed for sale$375,000
2025-06-06Listing removed$1,700
2025-04-20Listed for rent$1,700
2024-10-23Listing removed$2,750
2024-10-08Listed for rent$2,750
2015-06-10Sold$34,801
2015-02-25Listed for sale$31,000

For Sale by Agent

AgentEmily Hinton
BrokeragePrince Realty of the Bluegrass, LLC

Similar Homes