




2991 N Ridge Dr, Mount Sterling, KY, 40353
About This Home
First time ever on the market! Owned by the same family for 54 years, this home has been lovingly maintained, beautifully cared for, and is ready for its next chapter. Set on a landscaped three-quarter-acre lot in the established North Ridge Estates neighborhood of Mt. Sterling, this property offers the space, setting, and comfort buyers have been waiting for. Inside, you'll find three bedrooms, two full baths, and a welcoming split-level layout with plenty of room to spread out. The partially finished basement adds even more usable space, featuring an office area, a living space, and a cozy stone fireplace that makes the perfect spot to relax, work from home, or gather with guests. A beautiful foyer with a custom window gives the home a warm and memorable first impression. Outside, the recently sealed driveway provides plenty of parking and leads to a two-car garage. The newly built deck overlooks the expansive backyard, where a large oak tree creates a peaceful view and a beautiful backdrop for everyday living. The landscaped lot also features a stunning mature weeping cherry tree, adding charm and character to the property. With neighboring farm views, mature trees, and room to enjoy the outdoors, this backyard is truly something special. Located in the county yet only minutes from downtown Mt. Sterling, this home offers convenience without sacrificing space. You are approximately one mile from I-64, making travel, commuting, dining, shopping, and everyday errands easy while still enjoying an established neighborhood feel. Homes like this do not come along often, especially ones that have been owned, maintained, and loved by the same family since day one. This home is ready for its next chapter — will you be part of it?
Getting Around
Schools
Construction
Condition
- Year built: 1972
Materials
- Foundation: Block
- Roof: Dimensional Style,Shingle
- Construction materials: Brick Veneer
Type & Style
- Home type: SingleFamily
- Architectural style: Split Level
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Microwave,Refrigerator,Range
- Laundry features: Electric Dryer Hookup,Washer Hookup
Basement
- Has basement: Yes
- Basement: Exterior Entry,Interior Entry,Partially Finished,Walk-Out Access,Walk-Up Access
Bathroom1
- Level: First
Bathroom2
- Level: Lower
Bedroom2
- Level: First
Bedroom3
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Level: First
Family Room
- Level: Lower
Features
- Breakfast Bar,Entrance Foyer,Eat-in Kitchen
- Door features: Storm Door(s)
- Flooring: Carpet,Vinyl
- Number of fireplaces: 1
- Fireplace features: Basement,Den
- Fireplace: Yes
- Finished area below ground: 702
- Finished area above ground: 1,300
Heating & Cooling
- Heating features: Electric
- Cooling features: Electric
Interior Area
- Total structure area: 2,002
- Total interior livable area: 2,002 sqft
Kitchen
- Level: First
Living Room
- Level: First
Master Bedroom
- Level: First
Office
- Level: Lower
Property
Details
- Parcel number: 0225002003.00
Features
- Levels: Multi/Split
- Fencing: None
- Has view: Yes
- View description: Neighborhood
Lot
- Lot size: 0.75 Acres
- Features: Landscaped,Few Trees
Parking
- Total spaces: 2
- Parking features: Basement
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Lightning
- Strong Wind
- Tornado
- Winter Weather
- Cold Wave
- Hail
- Ice Storm
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 | $1,744 | $20,928 |
| Home Insurance * | $195 | $2,340 |
| Property Taxes | $185 | $2,220 |
| Electricity | $158 | $1,897 |
| Total | $2,282 | $27,384 |
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 |
|---|---|---|
| 2026-08-05 | Contingent | $345,000 |
| 2026-06-16 | Listed for sale | $345,000 |
