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

91 Thorn Rd, Gilbertsville, KY, 42044

4beds
2baths
2,672sqft
$309,900
$116price/sqft
$2,394/moest. monthly cost
$95,760/yrincome needed

About This Home

Welcome To 91 Thorn Drive, Where Country Living Meets Lake Convenience. Located Comfortably Off Little Bear Highway, This Home Sits On Nearly An Acre With Peaceful Views Of Rolling Horse Pasture And Three Mature Pecan Trees. The Property Features 4 Bedrooms, 2 Bathrooms, A Walk-out Basement, A Gas Fireplace, A Covered Patio, And An Above-ground Pool. A Standout Feature Is The 54' X 14' Built-in Garage, Ideal For Storing Boats And Lake Toys, With A Separate Driveway Leading Directly To The Lower Garage. Enjoy Being Just 3 Minutes From The Nearest Kentucky Lake Boat Launch (rocky Point) And Only 10 Minutes To Moors Marina And Draffenville. Marshall County Fire Station #3 Is Located Across The Street, With A Hydrant And County Weather Alarm Nearby. Don’t Miss Your Chance To Be Ready For Lake Season At 91 Thorn Drive.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

6/10
Central Elementary SchoolGrades PK-54.4 mi
8/10
7/10

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Pillar/Post/Pier,Concrete Perimeter,Slab
  • Roof: Composition Shingle
  • Construction materials: Concrete Block,Brick/Siding,Vinyl Siding,Dry Wall

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Built-In Range,Refrigerator,Stove,Electric Water Heater
  • Laundry features: Utility Room

Basement

  • Has basement: Yes
  • Basement: Full,Finished

Bathroom

  • Features: Tub Shower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Formal Dining

Features

  • Flooring: Carpet,Ceramic Tile,Laminate
  • Fireplace features: Basement,Gas Log
  • Fireplace: Yes
  • Finished area below ground: 1,160

Heating & Cooling

  • Heating features: Natural Gas,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,672
  • Total interior livable area: 2,672 sqft

Kitchen

  • Features: Breakfast Area

Property

Details

  • Parcel number: 610000016

Features

  • Levels: One
  • Stories: 1
  • Pool features: Above Ground
  • Patio & porch: Covered Porch,Patio
  • Waterfront features: Lake Area,Kentucky Lake
  • Waterbody name: Kentucky Lake

Lot

  • Lot size: 0.78 Acres
  • Features: Trees,County,Pasture,Rolling Slope,Wooded

Parking

  • Total spaces: 3
  • Parking features: Attached,Built-In/Basement,Paved
  • 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

  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

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 *$443$5,316
Property Taxes $173$2,076
Electricity $211$2,532
Total$2,394$28,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,080/yr
40% on housing$71,820/yr
45% on housing$63,840/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -2.5%
-2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$116This listing

vs Other Active Listings

Avg $/sqft

ZIP 42044$198
Marshall County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 42044
Marshall County$115

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
2026-04-07Price change$325,000
2026-03-06Price change$339,000
2026-02-21Listed for sale$309,000

For Sale by Agent

AgentDrew Harrison
BrokerageArnold Realty Group

Similar Homes