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281 Adams Rd, Owingsville, KY, 40360

1beds
2baths
1,800sqft
$299,000
$166price/sqft
$2,037/moest. monthly cost
$81,480/yrincome needed

About This Home

Escape to the peace and privacy of this beautiful 27+acre wooded property offering endless possibilities. The property features a barndominium with a large barn/workshop area, making it ideal for those looking for a home, workshop, hobby farm, or recreational retreat. The finished portion includes a spacious living area with kitchen and dining space, one bedroom, a full bathroom, and a laundry room. Several materials are already on-site to help continue the project and, including flooring, a water heater, and lumber, giving the next owner a great head start on expanding the home. Surrounded by trees and nature, this property provides a private setting with room to grow, explore, or create your dream homestead. A large stocked private pond is the perfect place for relaxing. An additional small pond, creek along the back of the property and a quarry area are additional features of this private property. Solar panels have been added to keep monthly electric costs low. This is a unique opportunity to own acreage with a customizable home ready for your finishing touches plus space for any home based business, workshop, livestock or whatever you can dream up. 8 minutes from I64 for easy commute.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

4/10
6/10
6/10
Bath County High SchoolGrades 9-126.7 mi

Construction

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Metal Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Self Cleaning Oven
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished,Walk-Out Access,Walk-Up Access

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Ceiling Fan(s)
  • Window features: Insulated Windows
  • Flooring: Ceramic Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,800

Heating & Cooling

  • Heating features: Wood
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,800
  • Total interior livable area: 1,800 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 0680000005.03

Features

  • Levels: Two
  • Has view: Yes
  • View description: Trees/Woods,Farm
  • Horses can be raised: Yes

Lot

  • Lot size: 27 Acres
  • Features: Wooded,Many Trees

Parking

  • Parking features: Driveway,Off Street
  • 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 WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather
Cold Wave
Hail
Inland Flooding
Tornado

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 $1,511$18,132
Home Insurance *$233$2,796
Property Taxes $139$1,668
Electricity $154$1,850
Total$2,037$24,444
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,840/yr
40% on housing$61,110/yr
45% on housing$54,320/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$166This listing

vs Other Active Listings

Avg $/sqft

ZIP 40360$138
Bath County$147

vs Homes Sold Last Month

Median $/sqft

ZIP 40360$134
Bath County$143

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

No price history available

For Sale by Agent

AgentShelly Sutton
BrokerageKentucky Realty Group, LLC

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