486 Mermie Rd, Hardin, KY, 42048
About This Home
Water-view Brick Home In The Sought-after Pirates Cove Community. This Spacious 2,700+ Sq. Ft. Residence With Lots Of Updates Offers Year-round Views Of Kentucky Lake. The Interior Features A Large Kitchen With Marble Tile Countertops And A Formal Dining Room Centered By A Cozy Fireplace. 4 Bedrooms 2.5 Bathrooms. An Expansive, Updated Multi-purpose Room Includes A Wet Bar, Fireplace And Provides Direct Access To A Generous Rear Deck. Great For Entertaining Family And Friends. Storage Is Abundant With Two Attached 2-car Garages (featuring New Doors) And A Detached 20x30 Outbuilding Designed For Boat Or Recreational Vehicle Storage. The Grounds Are Thoughtfully Landscaped With A Raised Garden Plot, Established Grapevines, And Various Fruit Trees. Property Ownership Includes Access To Pirates Cove Amenities: A Community Pool, Clubhouse, Sandy Beach Area, Private Boat Ramp, And Marina. Membership Is Optional.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1993
Materials
- Foundation: Concrete Block
- Roof: Dimensional Shingle
- Construction materials: Frame,Brick/Siding,Dry Wall
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Refrigerator,Stove,Washer
- Laundry features: Utility Room
Basement
- Basement: Crawl Space,None
Bathroom
- Features: Double Vanity,Tub Shower
Bedroom2
- Level: Main
- Area: 197.4
Bedroom3
- Level: Main
- Area: 139.85999999999999
Bedroom4
- Level: Main
- Area: 146.51999999999998
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bedrooms: 4
Dining Room
- Features: Formal Dining
- Level: Main
- Area: 197.4
Family Room
- Level: Main
- Area: 514.08
Features
- Ceiling Fan(s),Closet Light(s),Tray/Vaulted Ceiling,Walk-In Closet(s),Wet Bar,Workshop
- Window features: Skylight(s)
- Flooring: Carpet,Tile
- Fireplace features: Family Room,Two or More,Other/See Remarks
- Fireplace: Yes
- Finished area below ground: 0
Heating & Cooling
- Heating features: Gas Pack,Multiple Units,Propane,Wood,Fireplace(s)
- Cooling features: Central Air
Interior Area
- Total structure area: 2,742
- Total interior livable area: 2,742 sqft
Kitchen
- Level: Main
- Area: 239.76000000000002
Living Room
- Level: Main
- Area: 403.91999999999996
Master Bedroom
- Level: Main
- Area: 266.76
Property
Details
- Parcel number: 740A07008
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered Porch,Deck
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water View Year Round
- Waterfront features: Kentucky Lake
- Waterbody name: Kentucky Lake
Lot
- Lot size: 0.94 Acres
- Features: Corner Lot,County,Level
Parking
- Total spaces: 4
- Parking features: Attached,Detached,Garage Door Opener,Concrete Drive
- Has garage: Yes
- Attached garage spaces: 4
- Covered spaces: 4
- 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
- Ice Storm
- Lightning
- Strong Wind
- Winter Weather
- Drought
- Earthquake
- Hail
- Heat Wave
- Tornado
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 | $2,447 | $29,364 |
| Home Insurance * | $509 | $6,108 |
| Property Taxes | $450 | $5,400 |
| Electricity | $216 | $2,598 |
| Total | $3,622 | $43,464 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-27 | Listed for sale | $499,000 |
| 2025-10-22 | Listing removed | $460,000 |
| 2025-09-25 | Price change | $460,000 |
| 2025-09-08 | Price change | $470,000 |
| 2025-06-09 | Price change | $475,000 |
| 2025-05-19 | Price change | $485,000 |
| 2025-05-04 | Listed for sale | $495,000 |
| 2025-04-08 | Listing removed | $505,000 |
| 2025-01-30 | Price change | $505,000 |
| 2024-11-08 | Price change | $519,900 |
| 2024-10-19 | Price change | $534,900 |
| 2024-10-07 | Listed for sale | $549,900 |
| 2019-05-30 | Sold | $179,000 |
| 2009-08-21 | Sold | $224,900 |
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