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2016 Flat Holw, South Portsmouth, KY, 41174

3beds
1baths
1,880sqft
$489,900
$261price/sqft
$3,609/moest. monthly cost
$144,360/yrincome needed

About This Home

?? EXCEPTIONAL 20-ACRE COUNTRY ESTATE – HOME, BARN & UNLIMITED POTENTIAL Asking Price: $489,900 Properties offering this much usable land, privacy, and future potential are becoming increasingly difficult to find. Located just minutes from Portsmouth, Ohio, this beautiful 20-acre country estate offers the perfect combination of peaceful rural living and investment opportunity. Whether you’re looking for a private family home, mini-farm, horse property, hunting retreat, contractor’s headquarters, or future income-producing property, this estate has endless possibilities. ?? Home Features ? Approximately 1,880 sq. ft. two-story home ? 3 bedrooms, 1 bathroom ? Two fireplaces (wood-burning and gas) ? New septic system ? Large covered front porch ? Concrete patio perfect for entertaining ? Public water available ? Beautiful country views and abundant wildlife ?? Barn & Property Improvements A large barn with concrete floors and a newer metal roof provides outstanding space for equipment, storage, livestock, hobbies, or a workshop. One of the property’s most valuable features is that significant site work has already been completed for future expansion. ? Large Concrete Foundation Behind the Barn – A substantial poured concrete foundation is already in place behind the barn, providing an excellent base for a future workshop, equipment building, storage facility, event space, or additional improvements. ? 3½-Car Garage Foundation with Tool Room – A separate poured concrete foundation has already been completed for a 3½-car garage with an attached tool room/workshop, saving the next owner substantial construction costs and time. These existing foundations represent a significant investment already completed and provide tremendous flexibility for expanding the property to fit your needs. ?? Land Features ? Approximately 20 acres ? Mix of open fields and wooded acreage ? Excellent hunting with abundant deer and turkey ? Road frontage ? Plenty of room for horses, livestock, gardens, trails, or recreational activities ? Minutes from Portsmouth, Ohio, while offering complete country privacy Whether you’re searching for your forever home, a recreational getaway, or a property with tremendous future potential, this one truly offers opportunities that are hard to find. Schedule your private showing today and experience everything this exceptional property has to offer.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

5/10
Mckell Elementary SchoolGrades PK-52.2 mi
5/10
McKell Middle SchoolGrades 6-82.2 mi
4/10

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Concrete Block
  • Roof: Composition
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dryer,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Carpet,Linoleum / Vinyl
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat pump,Other,Electric,Propane / Butane,Wood / Pellet
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,880 sqft

Property

Details

  • Parcel number: 067000000100

Features

  • Exterior features: Shingle,Stone,Wood,Brick
  • Has view: Yes
  • View description: Mountain

Lot

  • Lot size: 20 Acres

Parking

  • Total spaces: 10
  • Parking features: Carport,Garage - Attached,Garage - Detached,Off-street

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 WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $2,477$29,724
Home Insurance *$389$4,668
Property Taxes $589$7,068
Electricity $154$1,850
Total$3,609$43,308
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,737/yr
40% on housing$108,270/yr
45% on housing$96,240/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -10.8%
-10.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$261This listing

vs Other Active Listings

Avg $/sqft

ZIP 41174
Greenup County$136

vs Homes Sold Last Month

Median $/sqft

ZIP 41174$101
Greenup County$100

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

DateEventPrice
2026-07-10Price change$489,900
2026-06-15Price change$325,888
2026-06-10Price change$298,888
2026-05-20Price change$324,888
2026-05-13Listed for sale$225,888
2006-08-09Sold$62,000

For Sale by Owner

AgentRick Spriggs

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