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437 Victor Darnell Rd, Benton, KY, 42025

4beds
3baths
1,966sqft
$515,000
$262price/sqft
$3,668/moest. monthly cost
$146,720/yrincome needed

About This Home

Attention All Homesteaders - This 32 Acre Mini-farm Is Perfect For You! The Home On The Property Features A Master Suite Downstairs With An Additional 3 Bedrooms And 1 Bath Upstairs. An Inviting Fireplace With Gas Logs Makes The Living Room Cozy In The Winter While The Deck Through The French Doors In The Kitchen Makes For Great Summer Grill-outs. The Partially Finished Basement Is Heated And Cooled With 2 Bonus Rooms, A “secret Safe Room,” And Plumbing For A 3rd Bathroom. On The Partially Fenced Property You’ll Find A 4-car Detached Garage, A Pond, A Natural Spring, A Creek, A Chicken Coop (with Electricity!), A Small Orchard With Pear, Apple And Peach Trees And Irrigated Vegetable And Flower Beds. Added Bonus - A Boat Ramp For Ky Lake Is Only About 5 Minutes Away. Double And Triple Bonus - A 2011 Kubota Tractor And A 2015 Kubota Side-by-side Convey With The Property!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

6/10
--
Mc AcademyGrades 6-125.8 mi
7/10

Construction

Condition

  • Year built: 2006

Materials

  • Foundation: Concrete Block
  • Roof: Dimensional Shingle
  • Construction materials: Frame,Vinyl Siding,Dry Wall

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Oven Built In,Electric Water Heater
  • Laundry features: Utility Room,Washer/Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Partially Finished

Bathroom

  • Features: Walk-In Closet(s)

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Closet Light(s),Walk-In Closet(s)
  • Window features: Tilt Windows,Vinyl Frame
  • Flooring: Carpet,Laminate,Vinyl/Linoleum
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: Crawl Space
  • Finished area below ground: 200

Heating & Cooling

  • Heating features: Heat Pump,Propane
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 1,966
  • Total interior livable area: 1,966 sqft

Kitchen

  • Features: Eat-in Kitchen

Property

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio
  • Exterior features: Courtyard

Lot

  • Lot size: 32.49 Acres
  • Features: Trees

Parking

  • Parking features: Detached,Garage Door Opener,Gravel
  • Has garage: Yes
  • 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 StormVery High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

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 $2,604$31,248
Home Insurance *$622$7,464
Property Taxes $287$3,444
Electricity $155$1,863
Total$3,668$44,016
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$125,760/yr
40% on housing$110,040/yr
45% on housing$97,813/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -2.5%
-2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$262This listing

vs Other Active Listings

Avg $/sqft

ZIP 42025$183
Marshall County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 42025
Marshall County$115

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
2026-05-08Listed for sale$530,000
2011-07-11Sold$250,000
2011-02-15Price change$279,900
2010-12-11Price change$249,900
2010-09-18Price change$279,999
2010-02-11Price change$299,900
2009-04-25Listed for sale$299,500

For Sale by Agent

AgentMisty Freeman
BrokerageRE/MAX Realty Group

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