See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

513 Shearwater Dr, Richmond, KY, 40475

6beds
3baths
3,102sqft
$578,000
$186price/sqft
$3,913/moest. monthly cost
$156,520/yrincome needed

About This Home

Perfect for multi-family living or hosting family and friends -Experience luxury living in this stunning meticulously maintained 3,100 sq. ft. brick masterpiece nestled in the coveted Quail West neighborhood. Boasting six (6) spacious bedrooms and three full baths, this home offers an open floor plan with soaring Coffered and Trey ceilings, elegant crown moldings, and hardwood/carpet/tile floors. The primary suite features a tile shower, a walk-in closet, and tranquil privacy. Perfect for entertaining, the home includes two covered decks, ideal for gatherings or relaxing outdoors. Double kitchens featuring breakfast bars, eat in kitchens, granite countertops, stainless steel appliances, and ample cabinetry make meal prep a pleasure. Cozy up in the living room by the gas fireplace, or enjoy the outdoor ambiance on the inviting decks. Situated on a lush 1.11-acre lot with a Ashlar Slate stamped driveway, this modern home built in 2019 combines timeless elegance with contemporary comfort. Conveniently located off I-75 in Richmond, with quick access to Lexington and Winchester, this property offers the perfect blend of privacy, style, and accessibility. Don't miss your chance to own this exceptional, move-in-ready home—schedule your private tour today and make your dream lifestyle a reality!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

9/10
Boonesborough ElementaryGrades PK-52.1 mi
7/10

Construction

Condition

  • Year built: 2019

Materials

  • Foundation: Concrete Perimeter
  • Roof: Dimensional Style
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Cooktop
  • Laundry features: Electric Dryer Hookup,Gas Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Finished,Full,Interior Entry,Walk-Out Access

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bathroom3

  • Level: Lower

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedroom4

  • Level: Lower

Bedroom5

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 3

Bonus Room

  • Level: Lower

Features

  • Breakfast Bar,Entrance Foyer,Eat-in Kitchen,In-Law Floorplan,Walk-In Closet(s),Ceiling Fan(s)
  • Window features: Insulated Windows,Screens
  • Flooring: Carpet,Hardwood,Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,400
  • Finished area above ground: 1,702

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 3,102
  • Total interior livable area: 3,102 sqft

Kitchen

  • Level: First

Kitchen

  • Level: Lower

Living Room

  • Level: First

Living Room

  • Level: Lower

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 0038028A0057

Features

  • Levels: Two
  • Fencing: None
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 1.11 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Driveway,Garage Door Opener,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather
Cold Wave
Hail
Strong Wind
Tornado

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 $2,922$35,064
Home Insurance *$286$3,432
Property Taxes $461$5,532
Electricity $244$2,939
Total$3,913$46,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$134,160/yr
40% on housing$117,390/yr
45% on housing$104,346/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: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$186This listing

vs Other Active Listings

Avg $/sqft

ZIP 40475$165
Madison County$165

vs Homes Sold Last Month

Median $/sqft

ZIP 40475$175
Madison County$177

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
2025-10-11Price change$588,000
2025-09-05Listed for sale$598,300
2020-01-31Sold$295,000
2019-12-07Listed for sale$299,000

For Sale by Agent

AgentDonna Gregorich
BrokerageCENTURY 21 Advantage Realty

Similar Homes