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4221 N State Highway 121, Murray, KY, 42071

5beds
3baths
4,007sqft
$725,000
$181price/sqft
$4,966/moest. monthly cost
$198,640/yrincome needed

About This Home

Luxury, craftsmanship, and thoughtful design come together beautifully in this custom-built Modern European farmhouse, completed in 2022 and situated on 2.3 acres in Calloway County. Offering 4,009 square feet, this home features 4 true bedrooms, 3 full bathrooms, and multiple flexible living spaces that could easily accommodate up to 6 bedrooms, making it ideal for growing families, multigenerational living, or those working from home. From the moment you step inside, you'll appreciate the soaring ceilings accented by exposed wood beams, extensive custom trim work, engineered hardwood flooring, designer tile, plush carpeting, and an abundance of natural light throughout. The open-concept living area is anchored by a stunning fireplace and flows seamlessly into the chef's kitchen featuring custom wood cabinetry, quartz countertops with matching quartz backsplash, Café appliances, an oversized island, farmhouse sink, beverage bar complete with a wine refrigerator, and an impressive walk-in butler's pantry with built-in shelving and workspace. Conveniently located just off the garage entrance, you'll find a beautifully crafted custom wood hall tree providing both style and everyday functionality. The main-level primary suite serves as a luxurious retreat, offering dual walk-in closets and an elegant spa-inspired bathroom complete with double vanities, a private water closet, and an oversized tiled walk-in shower. Just off the primary suite is a private addition currently utilized as a home office featuring a gorgeous wood tray ceiling, recessed lighting, a closet, and double exterior doors. Above this space is an expansive bonus room perfect for a second living area, media room, home gym, or an additional bedroom. The thoughtfully designed split-bedroom floor plan offers three bedrooms and two full bathrooms on the main level, while an oversized fourth bedroom with its own private full bathroom is located above the garage, providing the perfect guest suite or private retreat. The backyard is truly a private retreat. Enjoy a 14x32 saltwater steel pool complete with a tanning ledge, two Ledge Loungers, and color-changing LED lighting, all installed in 2023. Unwind in the adjacent 10x16 fiberglass spa, featuring therapeutic jets and smart app controls, allowing you to heat the spa, operate the jets, and manage settings directly from your phone. Whether you're hosting friends or enjoying a quiet evening under the stars, this outdoor space was designed to impress. Every detail of this home was carefully selected to combine timeless architecture with modern luxury, from the painted brick exterior and striking stone accents to the black windows, designer lighting, custom millwork, premium finishes, and exceptional indoor-outdoor living spaces. This is far more than a home, it's a custom luxury retreat built for entertaining, everyday comfort, and making memories for years to come.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Block,Slab
  • Roof: Dimensional Style
  • Construction materials: Brick Veneer,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Microwave,Refrigerator,Washer,Oven
  • Laundry features: Main Level

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Breakfast Bar,Entrance Foyer,Eat-in Kitchen,Wet Bar,Walk-In Closet(s),Ceiling Fan(s)
  • Window features: Blinds,Screens
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 4,007

Heating & Cooling

  • Heating features: Has Heating (Unspecified Type)
  • Cooling features: Central Air,Multi Units,Wall Unit(s)

Interior Area

  • Total structure area: 4,007
  • Total interior livable area: 4,007 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: First

Property

Features

  • Levels: One and One Half
  • Private pool: Yes
  • Pool features: In Ground,Pool/Spa Combo
  • Exterior features: Awning(s)
  • Fencing: Privacy,Wood

Lot

  • Lot size: 2.33 Acres
  • Features: Landscaped,Wooded

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Driveway
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Ice Storm
Lightning
Strong Wind
Tornado
Winter Weather
Drought
Hail
Heat Wave

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 $3,665$43,980
Home Insurance *$617$7,404
Property Taxes $368$4,416
Electricity $316$3,797
Total$4,966$59,592
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$170,262/yr
40% on housing$148,980/yr
45% on housing$132,426/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -4.6%
-4.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$181This listing

vs Other Active Listings

Avg $/sqft

ZIP 42071$142
Calloway County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 42071$141
Calloway County$138

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
2026-07-20Listed for sale$725,000

For Sale by Agent

AgentAshton Downey
BrokerageKeller Williams Experience - Murray

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