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912 Hunter Trl, Mount Sterling, KY, 40353

4beds
3baths
3,315sqft
$400,000
$121price/sqft
$2,839/moest. monthly cost
$113,560/yrincome needed

About This Home

Space, versatility, and endless possibilities await in this impressive 5-bedroom home located in the desirable Silver Creek Subdivision in Mt. Sterling, KY! Featuring two kitchens, this home offers flexibility for entertaining, multi-generational living, or creating the perfect gathering space. The upstairs primary suite provides a private retreat, while the large den/family room offers plenty of space for relaxing, hosting guests, or making memories with family and friends. Step outside and enjoy your own backyard oasis with an in-ground pool, perfect for summer fun and entertaining. With generous living space in a sought-after neighborhood, this home combines comfort, function, and lifestyle all in one package!

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

6/10
7/10
McNabb Middle SchoolGrades 6-82.9 mi
7/10

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Block
  • Roof: Dimensional Style
  • Construction materials: Brick Veneer,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Walk-Out Access

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bathroom3

  • Level: Lower

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedroom4

  • Level: Lower

Bedroom5

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Family Room

  • Level: First

Features

  • Breakfast Bar,Eat-in Kitchen,Walk-In Closet(s),Ceiling Fan(s)
  • Window features: Insulated Windows,Blinds,Screens
  • Flooring: Carpet,Hardwood,Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Insert
  • Fireplace: Yes
  • Finished area below ground: 1,378
  • Finished area above ground: 1,937

Heating & Cooling

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

Interior Area

  • Total structure area: 3,315
  • Total interior livable area: 3,315 sqft

Kitchen

  • Level: First

Kitchen

  • Level: Lower

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: Lower

Property

Details

  • Parcel number: 0231000037.00

Features

  • Levels: One
  • Private pool: Yes
  • Pool features: In Ground
  • Fencing: Partial
  • Has view: Yes
  • View description: Rural,Neighborhood

Lot

  • Lot size: 0.36 Acres

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
  • 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 $2,022$24,264
Home Insurance *$226$2,712
Property Taxes $330$3,960
Electricity $261$3,141
Total$2,839$34,068
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,337/yr
40% on housing$85,170/yr
45% on housing$75,706/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

$121This listing

vs Other Active Listings

Avg $/sqft

ZIP 40353$163
Montgomery County$153

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
2026-08-13Price change$390,000
2026-07-23Listed for sale$400,000
2026-05-12Sold$398,730
2026-01-14Sold$398,730
2023-01-20Listing removed--
2023-01-13Listed for sale$425,000
2018-10-17Listing removed$379,000
2018-08-11Price change$379,000
2018-06-12Listed for sale$390,000

For Sale by Agent

AgentR Michelle Rowland
BrokerageDream Maker Realty, LLC

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