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10690 351 Highway Hwy, Henderson, KY, 42420

3beds
2baths
2,400sqft
$499,777
$208price/sqft
$3,493/moest. monthly cost
$139,720/yrincome needed

About This Home

You’ll love coming home to this 10-acre (appx) country retreat. Only 2 miles past Zion on Hwy 351 with a beautiful 3-acre (appx) lake. The home is about 2400 sqft and has a spacious master suite with a fireplace and a separate sitting area to enjoy. The updated kitchen has a divider bar and a large walk-in pantry. The sunroom can be used as a dining room or a multi-purpose room. The great room features a gas log fireplace. There’s a 3+ car attached garage, plus a carport for plenty of storage of equipment. The home has a covered front porch and a covered back porch, plus a large deck all across the back of the home that overlooks a stocked lake. WOW!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1960

Materials

  • Foundation: Concrete Block
  • Roof: Shingle
  • Construction materials: Dry Wall,Aluminum Siding,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Range/Oven,Microwave,Electric Water Heater

Basement

  • Basement: None

Bedroom1

  • Level: main
  • Area: 744

Bedroom2

  • Level: Main
  • Area: 120

Bedroom3

  • Level: Main
  • Area: 120

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Level: Main
  • Area: 162

Features

  • Window features: Other
  • Flooring: Carpet,Wood,Tile
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area above ground: 0

Heating & Cooling

  • Heating features: Gas Forced Air,Heat Pump,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,400 sqft

Kitchen

  • Level: Main
  • Area: 180

Living Room

  • Level: Main
  • Area: 312

Property

Details

  • Zoning description: County

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch,Front Porch,Back
  • Fencing: Chain Link,Rear

Lot

  • Lot size: 10 Acres
  • Lot size dimensions: 10 acres app x

Parking

  • Total spaces: 3
  • Parking features: Garage Attached,Yes,Concrete
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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 StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $2,527$30,324
Home Insurance *$419$5,028
Property Taxes $358$4,296
Electricity $189$2,274
Total$3,493$41,916
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$119,760/yr
40% on housing$104,790/yr
45% on housing$93,146/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 42420$111
Henderson County$113

vs Homes Sold Last Month

Median $/sqft

ZIP 42420$129
Henderson County$131

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
2026-03-27Listed for sale$539,777
2024-07-03Sold$499,777
2024-06-03Pending sale$499,777
2024-05-28Listed for sale$499,777
2024-05-10Pending sale$499,777
2024-05-08Listed for sale$499,777

For Sale by Agent

AgentPatti Bugg
BrokerageREMAX Professional Realty Group

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