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4246 Captains Ct, Lexington, KY, 40513

5beds
6baths
3,782sqft
$915,000
$242price/sqft
$6,223/moest. monthly cost
$248,920/yrincome needed

About This Home

Step into modern luxury in this stunning, newer-construction 3-story gem, perfectly positioned in one of Lexington's most sought-after zip codes. Just minutes from top-rated Dunbar and Rosa Parks schools, the brand-new Publix, trendy restaurants, and convenient shopping—everything you love is right at your doorstep! This beautifully appointed home boasts 5 spacious bedrooms (with flexible options for a 6th), 4 full baths, and 2 half baths, all wrapped in an incredibly open and airy floorplan with generously sized rooms that invite effortless living and entertaining. Main Level Magic: Kick off your day in the highly coveted first-floor bedroom suite with its own full bath—perfect for guests, multigenerational living, or a peaceful home office. The heart of the home is the gorgeous chef's kitchen, featuring custom cabinetry, a dedicated coffee/cocktail bar, elegant apron sink, premium 36" Café gas range, massive breakfast island, and a walk-in pantry with thoughtful custom shelving. Flow seamlessly into the vaulted dining area for family meals that feel special every time. A convenient powder room and custom drop zone with shelving keep everyday life organized and stylish. Unwind in the cozy family room anchored by a warm gas fireplace—ideal for cool evenings and relaxed gatherings. Second Level Serenity: Ascend to a generous flex space perfect for a kids' media room, play area, or creative hub. The luxurious primary suite is your private retreat, complete with a spa-like ensuite bath featuring a stunning tiled shower, freestanding soaking tub, and direct access to a well-appointed laundry room with utility sink and ample cabinetry. Three additional bedrooms and two full baths (each with tile surround showers) provide plenty of space for family and guests. Third Level Versatility: The incredible third level is a blank canvas of possibilities—transform it into a private study, playroom, fitness studio, hobby retreat, or even a sixth bedroom! A convenient half bath and walk-in attic storage add everyday practicality. Outdoor Oasis & Smart Upgrades: Relax on the charming covered front porch or your private covered back patio, surrounded by a modern tall privacy fence that creates a peaceful sanctuary for morning coffee or evening sunsets. Enjoy beautiful luxury vinyl plank flooring throughout (no carpet!), a tankless water heater for endless hot water, and an abundance of thoughtful upgrades that make this home feel truly move-in ready and better than new. Maintenance-free gutter guards on the rear of the house for mature trees. Much desired, 1 step to the front door, no steps from the garage into the house for carrying groceries, and no steps into the back yard from the patio, for kids and pets. This is more than a house—it's the lifestyle you've been waiting for in Lexington's premier location. Don't miss your chance to call it home! Schedule your private tour today.

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

8/10
8/10
Beaumont Middle SchoolGrades 6-82.4 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Slab
  • Roof: Composition,Dimensional Style
  • Construction materials: Brick Veneer,HardiPlank Type

Type & Style

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

Interior

Appliances

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

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bathroom3

  • Level: Second

Bathroom4

  • Level: Second

Bathroom5

  • Level: Third

Bedroom1

  • Level: First

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 4
  • 1/2 bathrooms: 2

Den

  • Level: Second

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Breakfast Bar,Entrance Foyer,Eat-in Kitchen,Walk-In Closet(s),Ceiling Fan(s),Soaking Tub
  • Window features: Insulated Windows,Window Treatments,Blinds,Screens
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Gas Log
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,782

Foyer

  • Level: First

Heating & Cooling

  • Heating features: Heat Pump,Natural Gas,Zoned,Dual Fuel
  • Cooling features: Heat Pump,Zoned

Interior Area

  • Total structure area: 3,782
  • Total interior livable area: 3,782 sqft

Kitchen

  • Level: First

Master Bathroom

  • Level: Second

Master Bedroom

  • Level: Second

Master Bedroom

  • Level: Second

Office

  • Level: Third

Utility Room

  • Level: Second

Property

Details

  • Parcel number: 38285160

Features

  • Levels: Three Or More,Two
  • Fencing: Privacy,Wood

Lot

  • Lot size: 5,749 sqft
  • Features: Landscaped,Few Trees

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Driveway,Garage Door Opener,Off Street
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

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 $4,626$55,512
Home Insurance *$357$4,284
Property Taxes $942$11,304
Electricity $298$3,584
Total$6,223$74,676
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$213,360/yr
40% on housing$186,690/yr
45% on housing$165,946/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

$242This listing

vs Other Active Listings

Avg $/sqft

ZIP 40513$622
Fayette County$245

vs Homes Sold Last Month

Median $/sqft

ZIP 40513$177
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
2026-04-14Price change$979,000
2026-03-05Listed for sale$1,024,000
2023-08-18Sold$779,000
2023-07-13Pending sale$779,000
2023-05-22Price change$779,000
2023-04-28Price change$780,000
2023-04-01Listed for sale$789,900
2023-04-01Listing removed--
2023-01-20Listed for sale$795,000

For Sale by Agent

AgentSarah B Espinosa
BrokerageRE/MAX Creative Realty

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