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3275 Chance Rd, Columbia, KY, 42728

3beds
2baths
1,248sqft
$189,900
$152price/sqft
$1,390/moest. monthly cost
$55,600/yrincome needed

About This Home

Country living at its finest ! A very well kept manufactured home sitting on 1.33 acres. Offers a backup gas fireplace, metal roof and is fully fenced. Peace, privacy and a beautiful wooded area of Adair County. This one owner has been meticulously maintained and is in excellent condition. Plenty of room to relax, enjoy nature and escape the hustle. Perfect for those seeking a clean , move in ready home with space and serenity. !!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

--
Adair County Primary CenterGrades PK-211.0 mi
5/10
4/10
Adair County High SchoolGrades 9-1211.1 mi

Construction

Condition

  • Year built: 2001

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Oven,Vented Exhaust Fan
  • Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Eat-in Kitchen,Walk-In Closet(s),Ceiling Fan(s),Soaking Tub
  • Window features: Insulated Windows,Window Treatments,Blinds
  • Flooring: Carpet,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Gas Starter,Great Room,Ventless
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,248

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,248
  • Total interior livable area: 1,248 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 0570000008.02

Features

  • Levels: One
  • Exterior features: Garden
  • Fencing: Wire
  • Horses can be raised: Yes

Lot

  • Lot size: 1.33 Acres
  • Features: Secluded,Wooded,Many Trees

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

  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Hail
Ice Storm
Lightning
Tornado

FEMA Declared Disasters Across Kentucky Counties

Flood
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
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 $960$11,520
Home Insurance *$188$2,256
Property Taxes $88$1,056
Electricity $154$1,850
Total$1,390$16,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,657/yr
40% on housing$41,700/yr
45% on housing$37,066/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.2%
2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$152This listing

vs Other Active Listings

Avg $/sqft

ZIP 42728$156
Adair County$161

vs Homes Sold Last Month

Median $/sqft

ZIP 42728
Adair County$118

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)

No zestimate history available

Price History

DateEventPrice
2026-03-12Listed for sale$189,900
2012-10-10Sold$3,210

For Sale by Agent

AgentScotty H Carter
BrokerageLake Cumberland Real Estate Professionals

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