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94 Riveria Rd, Gilbertsville, KY, 42044

1beds
1baths
248sqft
$89,000
$359price/sqft
$780/moest. monthly cost
$31,200/yrincome needed

About This Home

Charming Tiny Home Nestled Near Picturesque Kentucky Lake! This Gem Boasts Granite Countertops In The Cozy Kitchen, Complete With Full-size Appliances, Ensuring Convenience For All Your Culinary Endeavors. Abundant Storage In The Large Closets Is A Bonus, While The Tile Shower Promises A Spa-like Experience. Embrace The Simplicity Of Small Living In This Well-appointed Abode, Perfectly Situated For Lake Enthusiasts And Nature Lovers. Your Serene Retreat Awaits! Can Be Used As A Full Time Home, Rental Or Airbnb, Seller Has Had Much Success In Using It As An Airbnb.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

6/10
Central Elementary SchoolGrades PK-53.7 mi
8/10
7/10

Construction

Condition

  • Year built: 2015

Materials

  • Foundation: Concrete Block,Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Frame,Metal Siding,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Refrigerator,Stove,Washer
  • Laundry features: Laundry Closet,Utility Room,Washer/Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Closet Light(s),High Ceilings,Paneling
  • Window features: Thermal Pane Windows,Vinyl Frame,Skylight(s)
  • Flooring: Tile,Wood
  • Finished area below ground: 0

Heating

  • Heating features: Natural Gas,Wall Furnace

Interior Area

  • Total structure area: 248
  • Total interior livable area: 248 sqft

Property

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Exterior features: Lighting
  • Waterfront features: Lake Area

Lot

  • Lot size: 0.45 Acres
  • Features: Trees,County,Level,Wooded
  • Lot size dimensions: 19,799sqft

Parking

  • Parking features: Gravel
  • 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

  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

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 $450$5,400
Home Insurance *$127$1,524
Property Taxes $49$588
Electricity $154$1,850
Total$780$9,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$26,742/yr
40% on housing$23,400/yr
45% on housing$20,800/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -2.5%
-2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$359This listing

vs Other Active Listings

Avg $/sqft

ZIP 42044$202
Marshall County$159

vs Homes Sold Last Month

Median $/sqft

ZIP 42044
Marshall County$115

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
2025-04-14Price change$89,000
2024-10-31Price change$99,000
2024-04-10Price change$105,000
2023-11-10Price change$110,000
2023-10-10Listed for sale$125,000

For Sale by Agent

AgentKimberly Elkins
BrokeragePark Avenue Properties

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