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5039 Combs Ferry Rd, Winchester KY, KY, 40391

5beds
5baths
6,284sqft
$2,299,000
$366price/sqft
$14,682/moest. monthly cost
$587,280/yrincome needed

About This Home

This 5 Bedroom, 5 Bathroom home is quietly located in the highly desired Combs Ferry area of Clark County. Location is evident as you are approximately an 8-minute drive to Hamburg as well as 8-minute drive to downtown Winchester. This complete custom home was constructed in 2022. The 6284 sqft boasts custom features including built in appliances, in-ground oversized heated pool with outdoor bathroom, decorative ceilings, custom trim and built ins, finished basement, home gym, movie theatre, basement bar, Large walk-in closets attached to ALL bedrooms, basketball court, shooting range, detached garage with concrete floors and double garage bays. This list is endless. There is an additional 1545 sqft of unfinished space that new buyer can easily customize. Schedule your showing today and view this breathtaking property! Seller is a licensed Realtor in state of KY.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Concrete Perimeter,Other
  • Roof: Metal,Shingle
  • Construction materials: Brick Veneer,HardiPlank Type

Type & Style

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

Interior

Appliances

  • Appliances included: Double Oven,Dishwasher,Gas Range,Microwave,Other,Refrigerator,Cooktop,Range,Self Cleaning Oven,Vented Exhaust Fan
  • Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Finished,Interior Entry,Partial,Sump Pump,Walk-Up Access

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bathroom3

  • Level: Second

Bathroom4

  • Level: Lower

Bathroom5

  • Level: First

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Lower

Bedroom5

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 3
  • 1/2 bathrooms: 2

Dining Room

  • Level: First

Family Room

  • Level: Lower

Features

  • Breakfast Bar,Entrance Foyer,Eat-in Kitchen,Walk-In Closet(s),Ceiling Fan(s)
  • Window features: Screens
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 4
  • Fireplace features: Basement,Great Room,Master Bedroom,Outside,Propane,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 2,105
  • Finished area above ground: 4,179

Foyer

  • Level: First

Great Room

  • Level: First

Heating & Cooling

  • Heating features: Electric,Heat Pump,Propane Tank Owned
  • Cooling features: Ceiling Fan(s),Electric,Multi Units

Interior Area

  • Total structure area: 6,284
  • Total interior livable area: 6,284 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: First

Office

  • Level: Lower

Other

  • Level: First

Other

  • Level: Lower

Other

  • Level: Lower

Utility Room

  • Level: First

Property

Details

  • Parcel number: 016000001110
  • Other equipment: Home Theater

Features

  • Levels: Three Or More
  • Private pool: Yes
  • Pool features: In Ground
  • Exterior features: Basketball Court,Fire Pit
  • Fencing: Other,Partial,Wood,Wire
  • Has view: Yes
  • View description: Rural,Trees/Woods,Farm
  • Horses can be raised: Yes

Lot

  • Lot size: 12.81 Acres
  • Features: Landscaped,Secluded,Many Trees

Parking

  • Total spaces: 5
  • Parking features: Attached Garage,Detached Garage,Driveway,Garage Door Opener,Off Street,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $11,624$139,488
Home Insurance *$1,126$13,512
Property Taxes $1,436$17,232
Electricity $496$5,955
Total$14,682$176,184
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$503,382/yr
40% on housing$440,460/yr
45% on housing$391,520/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: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$366This listing

vs Other Active Listings

Avg $/sqft

ZIP 40391$160
Clark County$160

vs Homes Sold Last Month

Median $/sqft

ZIP 40391$158
Clark County$168

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
2026-04-07Price change$2,399,000
2026-03-18Price change$2,450,000
2025-10-27Listed for sale$2,495,000
2018-06-04Sold$170,000

For Sale by Agent

AgentMichael R Hilario
BrokerageThe Agency

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