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13104 Mallard Point Dr, Independence, KY, 41051

3beds
2baths
1,900sqft
$575,000
$303price/sqft
$3,763/moest. monthly cost
$150,520/yrincome needed

About This Home

Move-in ready and full of character, this 1,900 sq ft A-frame single-family home for sale at 13104 Mallard Point Dr in Independence is offered at $589,000 and delivers standout curb appeal with a metal roof, a wraparound deck, and a flat yard made for everyday living and easy get-togethers. Tucked along a private road, it offers an added sense of peace and separation from the everyday. Inside, you will find 3 bedrooms and 2 baths anchored by a stone fireplace that sets the tone for cozy nights in. Enjoy year-round comfort with central air, a propane furnace, and a wood-burning stove, plus a private balcony off the primary suite for a quiet start to your morning or a peaceful wind down. A full basement adds valuable flexibility for storage, hobbies, or future finishing, and the 2-car garage keeps parking and projects neatly covered. Septic and cistern serve the home. Inside, you will find 3 bedrooms and 2 baths anchored by a stone fireplace that sets the tone for cozy nights in. Enjoy year-round comfort with central air, a propane furnace, and a wood-burning stove, plus a private balcony off the primary suite for a quiet start to your morning or a peaceful wind down. A full basement adds valuable flexibility for storage, hobbies, or future finishing, and the 2-car garage keeps parking and projects neatly covered. Septic and cistern serve the home. Set on an expansive 5 acres, the outdoor space invites big plans, wide-open play, and room to breathe, all with the convenience of being minutes to Independence Town Center and minutes to the new Downs of Nicholson dining and entertainment. Schedule your private showing today with Danielle Trauth at 859-816-8373 and experience the space, style, and setting for yourself.

Getting Around

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

Schools

6/10
Piner Elementary SchoolGrades PK-53.4 mi
7/10
Twenhofel Middle SchoolGrades 6-82.3 mi
7/10
Simon Kenton High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Concrete
  • Roof: Metal
  • Construction materials: Wood

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Stove,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,900 sqft

Property

Details

  • Parcel number: 049000005302

Features

  • Exterior features: Wood

Lot

  • Lot size: 5 Acres

Parking

  • Parking features: Garage - Attached,Off-street

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

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Heat Wave
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 $2,907$34,884
Home Insurance *$237$2,844
Property Taxes $465$5,580
Electricity $154$1,850
Total$3,763$45,156
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$129,017/yr
40% on housing$112,890/yr
45% on housing$100,346/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: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$303This listing

vs Other Active Listings

Avg $/sqft

ZIP 41051$186
Kenton County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 41051$190
Kenton County$184

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
2026-04-30Listed for sale$589,000
1988-07-05Sold$24,500

For Sale by Owner

AgentProperty Owner

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