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970 Jacksonville Rd, Bagdad, KY, 40003

2beds
3baths
2,260sqft
$899,900
$398price/sqft
$6,032/moest. monthly cost
$241,280/yrincome needed

About This Home

Unlike anything else on the market, 970 Jacksonville Road offers 91.67 acres of privacy, woods, water and wide-open possibility. Set nearly half a mile from the road, this property feels hidden from everything while remaining convenient to Shelbyville, Frankfort, I-64 and I-71. Remodeled and expanded in 2023, the home now offers 2,260 finished square feet with 2 bedrooms, a separate guest room, 2 1/2 baths and an open floor plan built for gathering. The gourmet kitchen features stainless appliances and a gas range, while a freestanding wood-burning fireplace gives the main living space a warm, grounded feel. The renovation also included a new roof, windows and sliding glass door. Outside, the property opens into a private retreat filled with wildlife, mature woods and a creek winding through the acreage. A fenced garden area is ready for growing, while the new 30x45 detached garage offers a concrete floor and its own wood stove. Additional storage includes the attached garage and a large tobacco barn positioned near the entrance. This property can serve as a private full-time residence, weekend escape, recreational retreat or short-term rental. Homes like this are rarely available, and land with this much privacy is becoming even harder to find. Schedule a private showing and experience what cannot be captured in photos.

Getting Around

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

Schools

7/10
3/10
Shelby County High SchoolGrades 9-1210.5 mi

Construction

Condition

  • Year built: 2007

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Berm
  • Property subType: Farm

Interior

Basement

  • Basement: None

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Family Room

  • Level: First

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,260

Heating & Cooling

  • Heating features: Electric,Other
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,260
  • Total interior livable area: 2,260 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Other

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 09700018

Features

  • Stories: 1
  • Patio & porch: Porch
  • Fencing: Farm

Lot

  • Lot size: 91.67 Acres
  • Features: Wooded

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $4,550$54,600
Home Insurance *$435$5,220
Property Taxes $869$10,428
Electricity $178$2,141
Total$6,032$72,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$206,811/yr
40% on housing$180,960/yr
45% on housing$160,853/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: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$398This listing

vs Other Active Listings

Avg $/sqft

ZIP 40003$239
Shelby County$259

vs Homes Sold Last Month

Median $/sqft

ZIP 40003$243
Shelby County$161

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
2026-08-14Listed for sale$899,900
2019-02-07Sold$329,000
2019-01-04Pending sale$369,500
2018-10-16Listed for sale$369,500

For Sale by Agent

AgentBaird Dunsmore
BrokerageTorrey Smith Realty Co., LLC

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