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97 Eddie Dr, Mount Vernon, KY, 40456

4beds
2baths
2,093sqft
$439,900
$210price/sqft
$3,046/moest. monthly cost
$121,840/yrincome needed

About This Home

Beautiful 4-bedroom, 2-bath home situated on two lots in the desirable Hunters Ridge Subdivision! This well-appointed property offers a welcoming foyer with chandelier, a spacious living room, and a functional kitchen with appliances to stay. A formal dining room provides the perfect space for gatherings and entertaining. The split-bedroom layout offers added privacy, with a primary suite separate from the additional three bedrooms. The primary suite includes walk-in closets and a large shower in the private bath. Exterior features include a large covered front porch and a covered back porch, both with concrete flooring—ideal for relaxing or entertaining. The property also offers a large concrete driveway, a 2-car attached garage, and an impressive 1,125 sq ft detached 4-car brick garage that matches the home. Conveniently located across from Cedar Rapids Country Club, this property offers space, comfort, and a desirable setting.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

7/10
7/10

Construction

Condition

  • Year built: 2006

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Range
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedroom4

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Walk-In Closet(s),Ceiling Fan(s)
  • Door features: Storm Door(s)
  • Window features: Blinds
  • Flooring: Carpet,Hardwood,Tile
  • Finished area below ground: 0
  • Finished area above ground: 2,093

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,093
  • Total interior livable area: 2,093 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 022600004129

Features

  • Levels: One
  • Fencing: None
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 0.74 Acres

Parking

  • Total spaces: 6
  • Parking features: Attached Garage,Detached Garage,Driveway
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 6
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather
Hail
Tornado

FEMA Declared Disasters Across Kentucky Counties

Flood
Hurricane
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
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 $2,224$26,688
Home Insurance *$430$5,160
Property Taxes $227$2,724
Electricity $165$1,983
Total$3,046$36,552
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,434/yr
40% on housing$91,380/yr
45% on housing$81,226/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: 7.7%
7.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$210This listing

vs Other Active Listings

Avg $/sqft

ZIP 40456$122
Rockcastle County$122

vs Homes Sold Last Month

Median $/sqft

ZIP 40456
Rockcastle County$100

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
2026-04-30Listed for sale$439,900
2012-06-12Sold$175,000

For Sale by Agent

AgentM Matthew Silcox
BrokerageWEICHERT REALTORS - Ford Brothers

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