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3495 Jacob Ct, Lexington, KY, 40509

5beds
4baths
4,731sqft
$689,900
$146price/sqft
$4,824/moest. monthly cost
$192,960/yrincome needed

About This Home

This beautiful 5 bedroom, 3.5 bathroom multigenerational home is located in the convenient Blackford subdivision just minutes away from I-75, Greenbrier Golf Course, and Hamburg shopping and restaurants. The open 1st floor offers hardwood throughout the entire space and is highlighted by an incredible kitchen, huge family room with stone fireplace, formal rooms and powder room. Upstairs features a large primary suite with upgraded bath and large walk-in closet that connects to an oversized laundry room. Additionally there are 3 large bedrooms, full bath and bonus flex room. Newer, premium wood flooring is throughout the 2nd level. The finished basement offers a family room, bedroom with full bath, and a media/flex room. This level walks out to a patio overlooking the fenced back yard with deck above. This home fulfills all of your needs!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

7/10
4/10
Crawford Middle SchoolGrades 6-83.1 mi
7/10

Construction

Condition

  • Year built: 2016

Materials

  • Foundation: Concrete Perimeter
  • Roof: Dimensional Style,Shingle
  • Construction materials: Brick Veneer,Stone,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Finished,Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Breakfast Bar,Entrance Foyer,Eat-in Kitchen,In-Law Floorplan,Walk-In Closet(s),Ceiling Fan(s),Soaking Tub
  • Door features: Storm Door(s)
  • Window features: Insulated Windows,Blinds
  • Flooring: Carpet,Hardwood,Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Blower Fan,Gas Log,Great Room,Propane
  • Fireplace: Yes
  • Finished area below ground: 1,358
  • Finished area above ground: 3,373

Heating & Cooling

  • Heating features: Electric,Heat Pump,Zoned
  • Cooling features: Electric,Heat Pump,Zoned

Interior Area

  • Total structure area: 4,731
  • Total interior livable area: 4,731 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: 38256310

Features

  • Levels: Three Or More
  • Fencing: Privacy,Wood
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 8,363 sqft
  • Features: Landscaped

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Driveway,Garage Door Opener,Garage Faces Front
  • 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

  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Lightning
Strong Wind
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 $3,488$41,856
Home Insurance *$249$2,988
Property Taxes $714$8,568
Electricity $373$4,483
Total$4,824$57,888
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$165,394/yr
40% on housing$144,720/yr
45% on housing$128,640/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: 11.5%
11.5%
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

$146This listing

vs Other Active Listings

Avg $/sqft

ZIP 40509$194
Fayette County$246

vs Homes Sold Last Month

Median $/sqft

ZIP 40509$195
Fayette County$186

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
2026-05-04Listed for sale$699,900
2022-09-16Sold$605,000
2022-08-03Pending sale$629,000
2022-06-30Listing removed--
2022-06-17Price change$629,000
2022-06-06Listed for sale$635,000
2016-03-31Sold$319,392

For Sale by Agent

AgentMichael H McNeill
BrokerageBluegrass Sotheby's International Realty

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