2305 Reuben Smith Rd, Loretto, KY, 40037
About This Home
An extraordinary 79.7-acre retreat where peace, beauty, and possibility meet. Set within a park-like landscape of woods, open land, and Big Terrapin creek, this rare property offers privacy and room to roam. A true hunter's paradise, the acreage invites recreation and wildlife watching. The farmhouse-style home offers over 4,200 finished sq ft, a wraparound porch, spacious rooms, and scenic views. Birdsong fills the air adding to the serenity. The living room features an impressive fireplace and grand library wall. At the top of the property, a stunning clearing opens to the sky—perfect for sunsets and memories. A walkout basement with kitchen and finished space. Rare opportunity to own land, lifestyle, and legacy.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 1977
Materials
- Foundation: Concrete Perimeter
- Roof: Metal
- Construction materials: Vinyl Siding,Aluminum Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Farmhouse
- Property subType: Farm
Interior
Basement
- Has basement: Yes
- Basement: Walkout Part Fin
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Family Room
- Level: Basement
Features
- Number of fireplaces: 2
- Fireplace: Yes
- Finished area below ground: 1,227
- Finished area above ground: 2,973
Foyer
- Level: First
Full Bathroom
- Level: Second
Heating & Cooling
- Heating features: Electric,Propane
- Cooling features: None
Interior Area
- Total structure area: 2,973
- Total interior livable area: 4,200 sqft
Kitchen
- Level: First
Kitchen
- Level: Basement
Laundry
- Level: Basement
Living Room
- Level: First
Other
- Level: Basement
Other
- Level: Basement
Primary Bathroom
- Level: First
Primary Bedroom
- Level: First
Property
Details
- Parcel number: 018023
Features
- Stories: 2
- Patio & porch: Wrap Around,Deck,Patio,Porch
- Fencing: Farm
- Waterfront features: Creek
Lot
- Lot size: 79.70 Acres
- Features: Pond on Lot,Easement,Wooded
Parking
- Parking features: Driveway
- 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
- Tornado
- Winter Weather
- Cold Wave
- Hail
- Ice Storm
- Lightning
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 | $4,424 | $53,088 |
| Home Insurance * | $429 | $5,148 |
| Property Taxes | $406 | $4,872 |
| Electricity | $331 | $3,980 |
| Total | $5,590 | $67,080 |
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 |
|---|---|---|
| 2026-04-28 | Listed for sale | $875,000 |
| 2026-01-20 | Listing removed | $999,000 |
| 2025-08-30 | Listed for sale | $999,000 |
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