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109 Dillon Ct, Berea, KY, 40403

3beds
2baths
1,475sqft
$199,900
$136price/sqft
$1,426/moest. monthly cost
$57,040/yrincome needed

About This Home

Motivated Seller! Back on the market due to no fault of the sellers! Seller will pay $7,500 toward HVAC with full price offer. Don't miss your second chance to make this home yours. Country living at its best! This charming home sits on a full acre in a small, family-friendly subdivision with only eight homes and offers views of The Pinnacles. Enjoy the peace and privacy of rural living while still being conveniently close to town. The property also features an above-ground pool, perfect for relaxing on warm summer days, with enough space to relax, play, and enjoy the outdoors. Area to grow a small garden or add a fire pit. This property is ready to welcome you home.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

7/10
9/10
Farristown Middle SchoolGrades 6-86.6 mi
8/10

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bedroom1

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First

Features

  • Eat-in Kitchen,Ceiling Fan(s)
  • Door features: Storm Door(s)
  • Window features: Insulated Windows,Window Treatments,Blinds,Screens
  • Flooring: Carpet,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,475

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,475
  • Total interior livable area: 1,475 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 010000000038I

Features

  • Levels: One
  • Private pool: Yes
  • Pool features: Above Ground
  • Exterior features: Fire Pit,Other
  • Has view: Yes
  • View description: Rural,Mountain(s),Other

Lot

  • Lot size: 1 Acres
  • Features: Few Trees

Parking

  • Parking features: Driveway
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Cold Wave
Hail
Strong Wind
Tornado
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 $1,010$12,120
Home Insurance *$97$1,164
Property Taxes $165$1,980
Electricity $154$1,850
Total$1,426$17,112
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$48,891/yr
40% on housing$42,780/yr
45% on housing$38,026/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
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 40403$168
Madison County$165

vs Homes Sold Last Month

Median $/sqft

ZIP 40403$171
Madison County$177

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
2026-08-12Contingent$199,900
2026-07-29Price change$199,900
2026-07-22Price change$209,900
2026-07-18Listed for sale$214,900
2026-07-14Contingent$214,900
2026-07-12Price change$214,900
2026-07-06Price change$224,900
2026-06-18Price change$229,000
2026-06-07Listed for sale$239,000
2009-05-05Sold$107,000
2005-03-28Sold$98,000

For Sale by Agent

AgentDonald Rogers
BrokerageHouse 2 Home Realty

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