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2325 Highway 1394, East Bernstadt, KY, 40729

3beds
3baths
2,724sqft
$459,000
$169price/sqft
$3,214/moest. monthly cost
$128,560/yrincome needed

About This Home

This beautifully maintained, one-owner custom-built full brick home features 3 bedrooms and 3 full bathrooms, offering comfortable living space throughout. The full walkout basement is partially finished and is currently used as a separate living area, recreation space, and additional storage, providing exceptional flexibility. Situated on a spacious 0.66-acre lot, this home is conveniently located within walking distance of Hazel Green Elementary School.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

10/10
4/10
North Laurel High SchoolGrades 9-125.3 mi

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Block,Slab
  • Roof: Dimensional Style
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Range,Self Cleaning Oven
  • Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Concrete,Full,Partially Finished,Walk-Out Access,Walk-Up Access

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Entrance Foyer,Walk-In Closet(s),Ceiling Fan(s)
  • Door features: Storm Door(s)
  • Window features: Storm Window(s),Blinds
  • Flooring: Carpet,Ceramic Tile
  • Finished area below ground: 781
  • Finished area above ground: 1,943

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Ceiling Fan(s),Heat Pump

Interior Area

  • Total structure area: 2,724
  • Total interior livable area: 2,724 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 0277000024.01

Features

  • Levels: One
  • Fencing: None

Lot

  • Lot size: 0.66 Acres
  • Features: Landscaped,Few Trees

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Strong Wind
Tornado
Winter Weather
Heat Wave
Wildfire

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 $2,320$27,840
Home Insurance *$383$4,596
Property Taxes $296$3,552
Electricity $215$2,581
Total$3,214$38,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,194/yr
40% on housing$96,420/yr
45% on housing$85,706/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: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 4.0%
4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$169This listing

vs Other Active Listings

Avg $/sqft

ZIP 40729$162
Laurel County$125

vs Homes Sold Last Month

Median $/sqft

ZIP 40729$136
Laurel County$129

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
2026-07-25Price change$459,000
2026-07-02Price change$475,000
2026-06-08Listed for sale$495,000

For Sale by Agent

AgentSheila F Fields
BrokerageCENTURY 21 Advantage Realty

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