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1089 Carty Dr, Catlettsburg, KY, 41129

7beds
3baths
2,668sqft
$429,500
$161price/sqft
$3,329/moest. monthly cost
$133,160/yrincome needed

About This Home

Luxury, space and privacy come together in this completely remodeled 7-bedroom, 3-bath home situated on a freshly surveyed 6.82 +/- acre property right here in Boyd County KY just minutes from the new Casino and Horse Track. Thoughtfully redesigned from top to bottom, every detail has been carefully selected to create a home that is as functional as it is beautiful. With a one floor plan friendly layout, exceptional finishes, and room for everyone, this is a property that truly stands apart. The heart of the home is the stunning custom kitchen, featuring gorgeous granite countertops, stylish tile backsplash, stainless steel appliances, and beautiful new cabinetry that offers both elegance and abundant storage. The open and inviting layout makes it the perfect place to gather with family or entertain guests. The oversized primary suite serves as a private retreat, complete with a spa-inspired ensuite featuring a beautifully tiled walk-in shower, relaxing soaker tub, dual vanities, and a spacious walk-in closet designed for everyday comfort and convenience. Downstairs, the fully finished basement dramatically expands the home's versatility with three additional rooms that can serve as bedrooms, home offices, a fitness room, media room, hobby space, or whatever best fits your lifestyle. A full bath and dedicated mechanical room complete the lower level, providing flexibility for growing families, multigenerational living, or those simply wanting extra space. Step outside and experience the peaceful setting that makes this property so special. The expansive tiered deck overlooks the incredibly private 6.82 +/- acre property, offering the perfect place to enjoy your morning coffee, host family gatherings, or unwind while taking in the surrounding nature. Just below, the covered patio showcases a vaulted ceiling with beautiful wood finishes, creating an inviting outdoor living space you'll enjoy throughout the seasons. The detached two-car garage provides excellent storage and workspace, while the freshly landscaped grounds and newly completed survey with plat add even more value and peace of mind. Every inch of this home has been updated, allowing you to skip the renovation process and move straight into luxury. Simply bring your furniture and start enjoying the lifestyle this exceptional property has to offer. Opportunities to own a fully remodeled home with this much space, acreage, privacy, and flexibility are incredibly rare.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10
5/10
5/10
Boyd County High SchoolGrades 9-122.0 mi

Construction

Condition

  • Property condition: 31 to 50 Years

Materials

  • Roof: Composition
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Electric Range,Refrigerator

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Finished area below ground: 1,150
  • Finished area above ground: 1,518

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,668 sqft

Property

Details

  • Parcel number: 025000007700

Features

  • Patio & porch: Deck,Porch
  • Topography of land: Level,Rolling
  • Residential vegetation: Partially Wooded

Lot

  • Lot size: 6.82 Acres

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Heat Wave
    Heat WaveVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Heat Wave
Inland Flooding
Lightning
Winter Weather
Hail
Ice Storm
Landslide
Strong Wind
Tornado
Wildfire

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 $2,171$26,052
Home Insurance *$423$5,076
Property Taxes $525$6,300
Electricity $210$2,528
Total$3,329$39,948
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,137/yr
40% on housing$99,870/yr
45% on housing$88,773/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: 6.2%
6.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -9.1%
-9.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$161This listing

vs Other Active Listings

Avg $/sqft

ZIP 41129$119
Boyd County$94

vs Homes Sold Last Month

Median $/sqft

ZIP 41129$95
Boyd County$104

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
2026-08-18Contingent$414,500
2026-08-05Price change$414,500
2026-07-28Listed for sale$429,500
2025-06-18Sold$82,500
2025-05-04Pending sale$79,900
2025-05-01Listed for sale$79,900

For Sale by Agent

AgentChristopher L Hutchinson ll
BrokerageKeller Williams Legacy Group

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