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315 Blue And Gray Park Rd, Elkton, KY, 42220

4beds
5baths
3,240sqft
$699,900
$216price/sqft
$4,672/moest. monthly cost
$186,880/yrincome needed

About This Home

This immaculate custom home built in 2024 with over 3,000 square feet of living space! This stunning property sits on 9.55 beautiful acres with breathtaking country views and features quality craftsmanship throughout. The home includes all new appliances, including washer and dryer, gorgeous flooring, a beautiful fireplace, custom cabinetry, and granite countertops in the kitchen. Outside, you’ll find extensive concrete work, a circle driveway, professional landscaping throughout the property, covered front and back porches perfect for relaxing, and a 24x 30 detached garage/workshop and a she shed offering plenty of storage and workspace. If you’re looking for peaceful country living with modern style and amenities, this property is a must-see! Some pictures have been virtually staged.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

9/10
3/10
5/10

Construction

Condition

  • Year built: 2024

Materials

  • Roof: Shingle
  • Construction materials: Brick Veneer,Fiber Cement,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Electric Range,Refrigerator,Dryer,Washer,Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Basement: None,Crawl Space

Bathroom

  • Features: Granite Counters,Tub/Shower Combo,Walk-In Closet(s)

Bedroom2

  • Level: Main

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • Partial bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 2

Family Room

  • Level: Main

Features

  • Ceiling Fan(s),Chandelier,Closet Light(s),Walls (Dry Wall),Eat-in Kitchen
  • Door features: Insulated Doors
  • Window features: Blinds,Shades
  • Flooring: Hardwood,Tile
  • Fireplace features: Propane
  • Fireplace: Yes
  • Attic: Storage

Heating & Cooling

  • Heating features: Central,Gas
  • Cooling features: Central Electric

Interior Area

  • Total structure area: 3,240
  • Total interior livable area: 3,240 sqft

Kitchen

  • Features: Granite Counters,Pantry
  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 06962G

Features

  • Levels: Two
  • Patio & porch: Covered Front Porch,Covered Patio,Porch
  • Exterior features: Garden,Landscaping
  • Fencing: None
  • Waterbody name: None

Lot

  • Lot size: 9.55 Acres
  • Features: Level,County,Out of City Limits

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage Door Opener
  • 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

  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

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

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 $3,539$42,468
Home Insurance *$392$4,704
Property Taxes $486$5,832
Electricity $255$3,070
Total$4,672$56,064
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,182/yr
40% on housing$140,160/yr
45% on housing$124,586/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: 11.4%
11.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$216This listing

vs Other Active Listings

Avg $/sqft

ZIP 42220$123
Todd County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 42220
Todd County$178

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
2026-06-23Price change$699,900
2026-05-19Listed for sale$749,900
2026-04-15Listing removed--
2026-02-11Listed for sale$679,900
2026-02-02Listing removed--
2025-12-26Listed for sale$679,900
2025-10-24Listing removed$749,900
2025-09-22Listed for sale$749,900
2025-09-22Listing removed$849,900
2025-05-21Listed for sale$849,900
2025-05-20Listing removed$899,900
2025-03-21Listed for sale$899,900
2003-09-01Sold$50,000

For Sale by Agent

AgentJessica Gossom
BrokerageWhitz's Realty & Auction

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