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3237 Lone Star Rd, Upton, KY, 42784

4beds
2baths
2,304sqft
$343,500
$149price/sqft
$2,665/moest. monthly cost
$106,600/yrincome needed

About This Home

Beautiful home sitting on 5.52 acres. This home features a formal living room, large eat in kitchen, pantry, 4 bedrooms 2 full baths, walk in closets , family room, walkout basement, bonus room (could be 5th bedroom). Covered front porch, patio, new deck for entertaining, Barn with electric, lvp flooring, stainless appliances, new metal roof, new gutters. Lot next door has septic and electric already on it, Cave is located to the left of the property down behind the horseshoe box, There is chicken wire around the entrance

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

5/10
7/10
Hart County High SchoolGrades 9-1213.1 mi

Construction

Condition

  • Year built: 1992

Materials

  • Foundation: Concrete Perimeter
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Refrigerator,Electric Water Heater
  • Laundry features: Other

Basement

  • Area: 768

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bathroom

  • Features: Tub

Bedroom2

  • Features: Ceiling Fan
  • Level: Upper
  • Area: 100

Bedroom3

  • Features: Ceiling Fan
  • Level: Upper
  • Area: 108

Bedroom4

  • Features: Ceiling Fan
  • Level: Lower
  • Area: 100

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1

Features

  • Ceiling Fan(s),Walk-In Closet(s),Walls (Dry Wall),Eat-in Kitchen
  • Window features: Replacement Windows
  • Flooring: Vinyl
  • Fireplace features: None

Heating & Cooling

  • Heating features: Furnace,Electric
  • Cooling features: Central Electric

Interior Area

  • Total structure area: 2,304
  • Total interior livable area: 2,304 sqft

Master Bathroom

  • Level: Upper
  • Area: 60

Master Bedroom

  • Features: Ceiling Fan
  • Level: Upper
  • Area: 143

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 029000004600

Features

  • Levels: Multi/Split
  • Patio & porch: Deck
  • Fencing: None
  • Waterbody name: None

Lot

  • Lot size: 5.52 Acres
  • Features: Wooded

Parking

  • Parking features: None

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

  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $1,736$20,832
Home Insurance *$273$3,276
Property Taxes $475$5,700
Electricity $181$2,183
Total$2,665$31,980
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,371/yr
40% on housing$79,950/yr
45% on housing$71,066/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: 7.5%
7.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$149This listing

vs Other Active Listings

Avg $/sqft

ZIP 42784$94
Hart County$144

vs Homes Sold Last Month

Median $/sqft

ZIP 42784
Hart County$138

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
2026-08-12Price change$335,000
2026-07-27Price change$343,500
2026-07-08Price change$348,500
2026-06-15Listed for sale$349,500
2016-07-12Sold$161,000
2016-05-04Pending sale$179,900
2016-03-02Price change$179,900
2015-12-03Price change$185,900
2015-08-15Listed for sale$189,900
1995-09-01Sold$80,000

For Sale by Agent

AgentJoe D Thurman
BrokerageGOLD STAR REALTY

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