2371 Howards Mill Rd, Mount Sterling, KY, 40353
About This Home
RARE FIND! Conveniently located less than two miles from I-64, this beautifully updated home sits on nearly 10 acres and offers the perfect blend of privacy, space, and convenience. Featuring 2 bedrooms, 3 full bathrooms, and 2,358 square feet of living space, the home boasts an open-concept layout with a spacious kitchen and a finished basement that provides plenty of additional living or entertaining space. Enjoy peaceful country views from the large covered front and rear porches, or take advantage of the impressive 84' x 36' multi-use barn, perfect for storage, equipment, hobbies, or livestock. Whether you're looking for a mini-farm, homestead, or simply room to spread out, this move-in-ready property offers endless possibilities.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 1992
Materials
- Foundation: Block
- Roof: Metal
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cabin
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Refrigerator,Cooktop,Oven
- Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup
Basement
- Has basement: Yes
- Basement: Concrete,Partially Finished
Bathroom1
- Level: First
Bathroom2
- Level: First
Bathroom3
- Level: Lower
Bedroom2
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 3
- Full bathrooms: 3
Dining Room
- Level: First
Features
- Walk-In Closet(s),Ceiling Fan(s),Soaking Tub
- Window features: Window Treatments,Blinds
- Flooring: Hardwood
- Finished area below ground: 978
- Finished area above ground: 1,380
Heating & Cooling
- Heating features: Heat Pump
- Cooling features: Electric
Interior Area
- Total structure area: 2,358
- Total interior livable area: 2,358 sqft
Kitchen
- Level: First
Living Room
- Level: First
Master Bedroom
- Level: First
Utility Room
- Level: First
Property
Details
- Parcel number: 0380000055.00
Features
- Levels: One
- Horses can be raised: Yes
Lot
- Lot size: 9.60 Acres
- Features: Landscaped,Secluded,Few Trees
Parking
- Total spaces: 7
- Parking features: Driveway
- Has garage: Yes
- Attached garage spaces: 7
- Covered spaces: 7
- 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
- Strong Wind
- Winter Weather
- Cold Wave
- Hail
- Inland Flooding
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters Across Kentucky Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,730 | $32,760 |
| Home Insurance * | $305 | $3,660 |
| Property Taxes | $491 | $5,892 |
| Electricity | $186 | $2,234 |
| Total | $3,712 | $44,544 |
Income You'd Need if You Spent...
Kentucky FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-24 | Price change | $539,900 |
| 2026-06-18 | Listed for sale | $549,900 |
| 2017-07-20 | Sold | $240,000 |
| 2017-06-05 | Pending sale | $258,000 |
| 2017-05-16 | Price change | $258,000 |
| 2017-04-19 | Price change | $275,000 |
| 2017-03-10 | Listed for sale | $290,000 |
| 1998-05-01 | Sold | $132,000 |
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