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2081 Bells Ridge Rd, Bedford, KY, 40006

5beds
4baths
4,609sqft
$625,000
$136price/sqft
$4,564/moest. monthly cost
$182,560/yrincome needed

About This Home

Welcome to this picturesque ten-acre equestrian-ready property, thoughtfully designed for both horse and rider. An expansive all-brick home overlooks open pasture, offering a peaceful and functional layout for those seeking a horse-friendly lifestyle. The property is well-suited for equine use, featuring multiple outbuildings with three horse stalls and a dedicated tack room, and just a short commute to various riding arenas and trails. Whether you're keeping a few personal horses or expanding your setup, the acreage provides flexibility and room to grow. Inside, the home offers an inviting open-concept layout with vaulted ceilings and abundant natural light. The kitchen is centered around an oversized granite island—perfect for gathering after a day in the barn. The main level includes five bedrooms, highlighted by a spacious primary suite with a spa-like bath, soaking tub, separate shower, dual vanities, and a walk-in closet. A unique spiral staircase leads to a versatile loft space—ideal for a home office, lounge, or additional sleeping area, with the option to close it off for privacy. A second primary suite with its own ensuite bath and walk-in closet is perfect for guests, trainers, or multi-generational living. The finished walkout basement provides additional space for relaxation, entertainment, or storing gear. Outdoor living is just as appealing, with two decks and a patio offering views of your pastures and barns—making it easy to keep an eye on your horses while enjoying the scenery. A large driveway and multiple garages ensure plenty of room for trailers, equipment, and vehicles. This property combines comfortable living with practical equestrian amenities, creating an ideal setting for horse owners seeking space, functionality, and tranquility.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

2/10
Milton Elementary SchoolGrades PK-66.2 mi

Construction

Condition

  • Year built: 1990

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Brick Veneer

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Walkout Finished

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Area

  • Level: First

Family Room

  • Level: Basement

Features

  • Finished area below ground: 1,205
  • Finished area above ground: 3,404

Full Bathroom

  • Level: First

Full Bathroom

  • Level: First

Full Bathroom

  • Level: Basement

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,404
  • Total interior livable area: 4,609 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Loft

  • Level: Second

Primary Bathroom

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 0290000066.00

Features

  • Stories: 1
  • Private pool: Yes
  • Pool features: Above Ground
  • Patio & porch: Deck,Patio,Porch
  • Fencing: Partial,Farm

Lot

  • Lot size: 10.11 Acres

Parking

  • Total spaces: 6
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 6

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
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $3,160$37,920
Home Insurance *$439$5,268
Property Taxes $602$7,224
Electricity $363$4,367
Total$4,564$54,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$156,480/yr
40% on housing$136,920/yr
45% on housing$121,706/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -6.0%
-6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$136This listing

vs Other Active Listings

Avg $/sqft

ZIP 40006$159
Trimble County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 40006
Trimble County$152

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
2026-01-01Listed for sale$674,500
2026-01-01Listing removed$674,500
2025-11-12Price change$674,500
2025-08-25Price change$675,000
2025-07-24Price change$695,000
2025-07-13Price change$725,000
2025-06-21Listed for sale$750,000
2010-04-22Sold$135,000
2010-02-04Sold$100,000

For Sale by Agent

AgentLindsey Gividen
BrokerageKY Homes and Farms Real Estate

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