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3245 State Highway 1284 E, Cynthiana, KY, 41031

3beds
2baths
1,817sqft
$320,000
$176price/sqft
$2,222/moest. monthly cost
$88,880/yrincome needed

About This Home

Enjoy peaceful country living in this updated 3-bedroom, 1.5-bath home situated on 2.41 acres. Recent improvements include new flooring, fresh paint, updated outlets, switches, and lighting throughout, plus remodeled den and bedroom completed this year. Relax on the covered back deck built in 2024, and enjoy the convenience of a detached two-space carport and storage shed. Additional updates include a 4-year-old HVAC system, 6-year-old metal roof, gutters replaced in 2025, and fencing replaced in 2020. Move-in ready with plenty of space to enjoy the outdoors!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

6/10
3/10
5/10
Harrison County High SchoolGrades 9-1211.2 mi

Construction

Condition

  • Year built: 1983

Materials

  • Foundation: Concrete Perimeter
  • Roof: Metal
  • Construction materials: Masonite,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Microwave,Refrigerator,Washer,Range

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Eat-in Kitchen,Ceiling Fan(s)
  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,817

Heating & Cooling

  • Heating features: Electric,Heat Pump,Wood Stove
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,817
  • Total interior livable area: 1,817 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 122000002903000

Features

  • Levels: One
  • Exterior features: Fire Pit
  • Fencing: Wire
  • Has view: Yes
  • View description: Rural,Trees/Woods,Farm
  • Horses can be raised: Yes

Lot

  • Lot size: 2.41 Acres
  • Features: Many Trees

Parking

  • Total spaces: 2
  • Parking features: Detached Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

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

  • Strong Wind
    Strong WindVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Kentucky Counties

Flood
Hurricane
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
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 $1,618$19,416
Home Insurance *$168$2,016
Property Taxes $282$3,384
Electricity $154$1,850
Total$2,222$26,664
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,182/yr
40% on housing$66,660/yr
45% on housing$59,253/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 41031$244
Harrison County$235

vs Homes Sold Last Month

Median $/sqft

ZIP 41031
Harrison County$156

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
2026-08-11Price change$315,000
2026-07-16Listed for sale$320,000
2026-07-12Contingent$320,000
2026-07-07Listed for sale$320,000
2020-08-28Sold$153,000
2020-07-07Pending sale$154,900
2020-06-25Listed for sale$154,900

For Sale by Agent

AgentRonnie Brown
BrokeragePalmer-Hampton Realty

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