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111 Lone Oak Dr, Nicholasville, KY, 40356

4beds
4baths
2,728sqft
$489,900
$180price/sqft
$3,353/moest. monthly cost
$134,120/yrincome needed

About This Home

Set in Nicholasville's established Lone Oak area, this spacious two-story home offers the kind of lot size, layout, and neighborhood setting that is hard to recreate. Sitting on approximately 0.60 acres with mature trees, a long driveway, and a moderately private backyard, the home has a quiet, established feel while still being close to Wilmore Road, downtown Nicholasville, Lexington, shopping, dining, and everyday conveniences. Inside, the home offers approximately 2,728 square feet with 4 bedrooms, 3.5 baths, multiple living areas, formal dining, an eat-in kitchen, and two fireplaces. The layout gives you a lot of flexibility, with a first-floor primary suite, an additional upstairs suite, and an upstairs office/flex room that offers potential for a 5th bedroom conversion. Traditional details like the hardwood entry, brick fireplaces, built-ins, and multiple gathering spaces give the home warmth and character, while the kitchen provides generous cabinet storage, counter space, and an eat-in dining area. The home also features a slightly larger/deeper two-car garage, a first-floor utility area, and useful everyday storage throughout. Outdoor living is another highlight, with a rear patio, covered patio area, partially fenced outdoor space, mature landscaping, and a backyard setting that feels tucked away without being isolated. The location is a standout, with nearby Lone Oak recreation amenities including the clubhouse, pool, driving range, pickleball courts, and park area, with pool access/passes available separately through Nicholasville-Jessamine County Parks & Recreation. Current school information reflects West Jessamine High School; school assignments and enrollment should be confirmed with Jessamine County Schools.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

8/10
8/10

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Block
  • Roof: Dimensional Style
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Microwave,Refrigerator,Oven,Range
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Crawl Space

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bathroom3

  • Level: Second

Bathroom4

  • Level: Second

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Entrance Foyer,Eat-in Kitchen,Walk-In Closet(s),Ceiling Fan(s)
  • Window features: Window Treatments,Blinds,Screens
  • Flooring: Carpet,Hardwood,Tile,Vinyl
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Gas Log,Living Room,Masonry
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,728

Foyer

  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Heat Pump,Natural Gas,Zoned
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,728
  • Total interior livable area: 2,728 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 0463001052.00

Features

  • Levels: Two
  • Fencing: Partial,Wood

Lot

  • Lot size: 0.60 Acres
  • Features: Many Trees

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Garage Door Opener,Off Street,Garage Faces Rear,Garage Faces Side
  • 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
    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

Lightning
Strong Wind
Tornado
Winter Weather
Cold Wave
Hail
Ice Storm

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 $2,477$29,724
Home Insurance *$228$2,736
Property Taxes $433$5,196
Electricity $215$2,585
Total$3,353$40,236
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,960/yr
40% on housing$100,590/yr
45% on housing$89,413/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: 14.0%
14.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$180This listing

vs Other Active Listings

Avg $/sqft

ZIP 40356$197
Jessamine County$218

vs Homes Sold Last Month

Median $/sqft

ZIP 40356$185
Jessamine County$182

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
2026-07-15Listed for sale$489,900
2012-09-10Sold$240,000
2012-07-26Listed for sale$244,900
1988-03-15Sold$125,000

For Sale by Agent

AgentLogan Cheek
BrokerageThe Real Estate Group

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