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3745 Sweet Owen Rd, Owenton, KY, 40359

4beds
4baths
3,852sqft
$849,900
$221price/sqft
$6,179/moest. monthly cost
$247,160/yrincome needed

About This Home

Escape to the peace and beauty of Kentucky countryside without sacrificing convenience. Nestled on 45.9 picturesque acres, this exceptional all-brick ranch offers the perfect blend of luxury, privacy, and versatility. Whether you're searching for a working farm, equestrian property, recreational retreat, or simply room to roam, this remarkable property is ready to fit your lifestyle. Enjoy added peace of mind with a brand-new roof featuring 50-year architectural shingles. Designed for comfortable everyday living and entertaining, the open floor plan showcases recently installed site-finished hardwood floors, spacious living areas, and a generous dining area that opens to an expansive covered deck overlooking rolling pasture and scenic countryside. The main level features a spacious primary suite complete with a jetted tub, walk-in shower, double vanity, and walk-in closet. Two guest bedrooms with walk-in closets share a Jack-and-Jill bath, while a fourth bedroom offers the flexibility of a home office or guest room. A convenient first-floor laundry room completes the main level. The finished walkout lower level expands your living space with a full gourmet kitchen, large recreation room, full bath, in-law quarters, and direct access to a third garage, making it ideal for multigenerational living, extended family, entertaining, or a home-based business. Outside, the impressive 3,517 sq ft pole barn features three 9x14 horse stalls, a half bath, a 50-amp RV hookup, and ample space for horse trailers, RVs, tractors, side-by-sides, equipment, or workshop space. Additional improvements include a cattle barn, tractor barn, and poultry coop. A blend of open pasture and mature woods provides privacy, natural beauty, and endless opportunities for horses, livestock, recreation, hunting, or simply enjoying the outdoors. Conveniently located with easy access to I-71, you'll enjoy an easy drive to Cincinnati, Northern Kentucky, Georgetown, and Lexington!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

3/10
4/10
Owen County High SchoolGrades 9-123.3 mi
7/10

Construction

Condition

  • Property condition: Existing Structure
  • Year built: 2006

Materials

  • Foundation: Poured Concrete
  • Roof: Shingle
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Electric Oven,Electric Range,Dishwasher,Dryer,Microwave,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom2

  • Features: Double Vanity,Tub With Shower
  • Level: First
  • Area: 195
  • Dimensions: 13 x 15

Bedroom2

  • Features: Bath Adjoins,Ceiling Fan(s),Laminate Flooring,Walk-In Closet(s)
  • Level: First
  • Area: 220.08
  • Dimensions: 16.8 x 13.1

Bedroom3

  • Features: Bath Adjoins,Ceiling Fan(s),Laminate Flooring
  • Level: Second
  • Area: 241.92
  • Dimensions: 16.8 x 14.4

Bedroom4

  • Features: Laminate Flooring
  • Level: First
  • Area: 109.2
  • Dimensions: 10.5 x 10.4

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: Hardwood Floors,Walk-Out Access
  • Level: First
  • Area: 122.72
  • Dimensions: 11.8 x 10.4

Features

  • Open Floorplan,Breakfast Bar
  • Window features: Double Hung

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,852
  • Total interior livable area: 3,852 sqft

Kitchen

  • Features: Breakfast Bar,Hardwood Floors
  • Level: First
  • Area: 311.75
  • Dimensions: 21.5 x 14.5

Kitchen

  • Features: Breakfast Bar,Gourmet Kitchen,Tile Flooring
  • Level: Basement
  • Area: 353.75
  • Dimensions: 12.5 x 28.3

Laundry

  • Features: Built-in Features,Tile Flooring,Utility Sink
  • Level: First
  • Area: 77.76
  • Dimensions: 10.8 x 7.2

Living Room

  • Features: Ceiling Fan(s),Hardwood Floors
  • Level: First
  • Area: 310.47
  • Dimensions: 23.7 x 13.1

Other

  • Features: Carpet Flooring,Recessed Lighting
  • Level: Basement
  • Area: 1163.413
  • Dimensions: 41.11 x 28.3

Primary Bath

  • Features: Double Vanity,Jetted Tub,Tile Flooring
  • Level: First
  • Area: 210
  • Dimensions: 15 x 14

Primary Bedroom

  • Features: Bath Adjoins,Laminate Flooring,Tray Ceiling(s),Walk-In Closet(s)
  • Level: First
  • Area: 56
  • Dimensions: 14 x 4

Property

Details

  • Parcel number: 0730000010.02
  • Zoning description: Other

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Porch
  • Fencing: Partial

Lot

  • Lot size: 45.90 Acres
  • Features: Pasture,Wooded
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 3
  • Parking features: Driveway,Garage Faces Front,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
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 $4,297$51,564
Home Insurance *$741$8,892
Property Taxes $837$10,044
Electricity $304$3,650
Total$6,179$74,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$211,851/yr
40% on housing$185,370/yr
45% on housing$164,773/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -3.9%
-3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$221This listing

vs Other Active Listings

Avg $/sqft

ZIP 40359$134
Owen County$124

vs Homes Sold Last Month

Median $/sqft

ZIP 40359
Owen County$131

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
2026-07-30Price change$849,900
2026-05-08Price change$899,900
2026-03-19Listed for sale$924,000
2025-12-11Listing removed$920,000
2025-07-23Price change$920,000
2025-06-10Listed for sale$949,000
2010-07-21Sold$330,000

For Sale by Agent

AgentCullen Wainscott
BrokerageBerkshire Hathaway HomeService

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