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2991 N Ridge Dr, Mount Sterling, KY, 40353

3beds
2baths
2,002sqft
$345,000
$172price/sqft
$2,282/moest. monthly cost
$91,280/yrincome needed

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

0
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

7/10
McNabb Middle SchoolGrades 6-84.0 mi
7/10

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
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Kentucky Counties

Flood
Hurricane
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
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 $1,744$20,928
Home Insurance *$195$2,340
Property Taxes $185$2,220
Electricity $158$1,897
Total$2,282$27,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,240/yr
40% on housing$68,460/yr
45% on housing$60,853/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.4%
0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$172This listing

vs Other Active Listings

Avg $/sqft

ZIP 40353$161
Montgomery County$151

vs Homes Sold Last Month

Median $/sqft

ZIP 40353$152
Montgomery County$143

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
2026-08-05Contingent$345,000
2026-06-16Listed for sale$345,000

For Sale by Agent

AgentRebakah R Goodpaster
BrokerageKeller Williams Legacy Group

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