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716 Smith Martin Ln, Cynthiana, KY, 41031

4beds
4baths
4,136sqft
$699,000
$169price/sqft
$4,858/moest. monthly cost
$194,320/yrincome needed

About This Home

Welcome to 716 Smith Martin Lane, where space, versatility, and location come together on just over two picturesque acres in the heart of Harrison County. Perfectly situated with convenient access to Cynthiana and surrounding communities, this exceptional property offers the peaceful feel of country living without sacrificing convenience. Designed with flexibility in mind, this home is ideal for multigenerational living or those seeking room for extended family and guests. A private attached guest quarters features its own separate entrance, offering comfort, privacy, and independence while remaining connected to the main residence. The possibilities continue in the finished walkout basement, which is thoughtfully equipped as an additional living space complete with a full kitchen, spacious family room, bedroom, full bathroom, and a theater room—making it perfect for entertaining, or long-term guests. Step outside and enjoy your own backyard retreat featuring a refreshing in-ground pool, a covered shelter perfect for outdoor gatherings, and a spacious yard surrounded by the beauty and tranquility of the Kentucky countryside. Whether you're hosting family celebrations, relaxing by the pool, or simply enjoying the peaceful setting, this property offers the lifestyle you've been searching for. Opportunities like this are rare. If you've been searching for a home with a true mother-in-law suite, multiple living areas, or exceptional flexibility for today's evolving lifestyles, 716 Smith Martin Lane is a must-see!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

6/10
3/10
5/10

Construction

Condition

  • Year built: 1996

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Brick Veneer,HardiPlank Type

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Range
  • Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup,Lower Level

Basement

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

Bathroom1

  • Level: Lower

Bathroom2

  • Level: First

Bathroom3

  • Level: First

Bathroom4

  • Level: First

Bedroom1

  • Level: Lower

Bedroom2

  • Level: First

Bedroom3

  • Level: Lower

Bedroom4

  • Level: Lower

Bedrooms & Bathrooms

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

Family Room

  • Level: Lower

Features

  • In-Law Floorplan,Ceiling Fan(s),Soaking Tub
  • Door features: Storm Door(s)
  • Window features: Window Treatments,Blinds
  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,582
  • Finished area above ground: 2,554

Foyer

  • Level: First

Heating & Cooling

  • Heating features: Electric,Geothermal
  • Cooling features: Electric,Geothermal

Interior Area

  • Total structure area: 4,136
  • Total interior livable area: 4,136 sqft

Kitchen

  • Level: Lower

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 077000000902000

Features

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

Lot

  • Lot size: 2.11 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Driveway,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Inland Flooding
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 $3,534$42,408
Home Insurance *$368$4,416
Property Taxes $630$7,560
Electricity $326$3,919
Total$4,858$58,296
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$166,560/yr
40% on housing$145,740/yr
45% on housing$129,546/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$169This listing

vs Other Active Listings

Avg $/sqft

ZIP 41031$244
Harrison County$234

vs Homes Sold Last Month

Median $/sqft

ZIP 41031
Harrison County$156

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
2026-08-06Price change$599,000
2026-07-16Listed for sale$699,000
2011-11-21Sold$149,000

For Sale by Agent

AgentMary Todd Ashbrook
BrokeragePalmer-Hampton Realty

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