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1100 Pappy Cecil Ln, Bardstown, KY, 40004

5beds
3baths
3,860sqft
$649,900
$168price/sqft
$4,340/moest. monthly cost
$173,600/yrincome needed

About This Home

More than a home... this is your opportunity to build the life you've been dreaming about. Welcome to your own private Kentucky homestead, where nearly 6 beautiful acres offer endless opportunities to create the lifestyle you've been dreaming about. Whether you're searching for a peaceful retreat, room for multiple generations, space for hobbies, gardens, outdoor recreation or simply a place to spread out and enjoy the privacy of country living, this exceptional property is ready to make your vision a reality. This spacious raised ranch offers an impressive 3,860 finished square feet, featuring 1,930 square feet on the main level plus an additional 1,930 finished square feet in the walkout lower level, providing incredible flexibility for entertaining, guests, recreation or a home office. Outside, summer memories begin with the heated in-ground pool with slide, while the impressive 25x40 detached garage/workshop offers endless possibilities for vehicles, equipment, projects and hobbies. Geothermal heating and cooling, two fireplaces, mature trees and expansive green space only add to this property's appeal. Opportunities like this are hard to find—privacy, space and versatility, all just minutes from the heart of Bardstown. Come experience the possibilities for yourself.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

7/10
Thomas Nelson High SchoolGrades 9-125.3 mi

Construction

Condition

  • Year built: 1983

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Brick

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Walkout Finished

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: Basement

Bedroom

  • Level: Basement

Bedrooms & Bathrooms

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

Family Room

  • Level: First

Family Room

  • Level: Basement

Features

  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 1,930
  • Finished area above ground: 1,930

Full Bathroom

  • Level: First

Full Bathroom

  • Level: First

Full Bathroom

  • Level: Basement

Great Room

  • Level: First

Heating & Cooling

  • Heating features: Electric,Geothermal
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,930
  • Total interior livable area: 3,860 sqft

Kitchen

  • Level: First

Laundry

  • Level: Basement

Property

Details

  • Parcel number: 3400000077

Features

  • Stories: 1
  • Private pool: Yes
  • Pool features: In Ground
  • Patio & porch: Deck,Patio
  • Fencing: Partial

Lot

  • Lot size: 6 Acres
  • Features: Cleared

Parking

  • Total spaces: 2
  • Parking features: Detached,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

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Cold Wave
Tornado
Winter Weather
Hail
Inland Flooding
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 $3,286$39,432
Home Insurance *$350$4,200
Property Taxes $400$4,800
Electricity $304$3,657
Total$4,340$52,080
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$148,800/yr
40% on housing$130,200/yr
45% on housing$115,733/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: 8.3%
8.3%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 40004$179
Nelson County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 40004$183
Nelson County$185

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
2026-07-21Price change$649,900
2026-07-19Price change$650,000
2026-05-27Price change$675,000
2026-04-29Listed for sale$700,000

For Sale by Agent

AgentCrystal J Roberts
BrokerageKnob & Key Realty, LLC

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