198 Lakeshore Cir, Georgetown, KY, 40324
About This Home
Instant equity. Huge price drop! Priced below appraisal. This beautifully maintained 5-bedroom, 3.5-bath home is located in the Harbor Village neighborhood with exclusive access to a private lake and green space. It is perfect for everyday living, entertaining, and multi-generational needs. Located minutes from I-75, making it a perfect location for commuting. Step inside to a welcoming flex room just off the entry, ideal as a home office, formal dining room, playroom, or sitting area. The heart of the home features an open-concept kitchen and family room, where a cozy fireplace framed by custom built-ins creates a warm and inviting gathering space. The kitchen has lovely cabinets and granite tops. There is plenty of counter space for preparing meals and an island for additional workspace. The main floor opens to one of the covered decks overlooking the fenced backyard. This one is perfect for morning coffee, enjoying family time, having meals, or just relaxing and watching wildlife. Upstairs, you'll find a spacious primary suite with plenty of room to relax. The primary suite has a large walk-in closet and an attached ensuite with a beautifully tiled walk-in shower. There are also three additional bedrooms, a full bathroom, and the convenience of an upstairs laundry room. The finished walk-out basement expands your living space with a large family room, an additional flex area perfect for a home gym, office, or game room, a fifth bedroom, and a full bath—ideal for guests or extended family. The basement opens up to the second covered deck. This one is reinforced for a hot tub. Perfect for entertaining or creating your own luxury retreat. With flexible living spaces inside and out, a desirable floor plan, a finished walk-out basement, and access to the neighborhood's private lake, this home truly offers the perfect combination of comfort, functionality, and lifestyle. Don't miss your opportunity to make this exceptional property your next home and start with equity.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2021
Materials
- Foundation: Concrete Perimeter
- Roof: Dimensional Style
- Construction materials: Brick Veneer,Stone,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Refrigerator,Range
- Laundry features: Electric Dryer Hookup,Washer Hookup,Upper Level
Basement
- Has basement: Yes
- Basement: Bath/Stubbed,Finished,Full,Interior Entry,Walk-Out Access
Bathroom1
- Level: First
Bathroom3
- Level: Second
Bathroom4
- Level: Lower
Bedroom2
- Level: Second
Bedroom3
- Level: Second
Bedroom4
- Level: Second
Bedroom5
- Level: Lower
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Breakfast Bar,Entrance Foyer,Walk-In Closet(s),Ceiling Fan(s)
- Door features: Storm Door(s)
- Window features: Insulated Windows,Blinds,Screens
- Flooring: Carpet,Ceramic Tile
- Number of fireplaces: 1
- Fireplace features: Family Room,Gas Log
- Fireplace: Yes
- Finished area below ground: 1,076
- Finished area above ground: 2,507
Heating & Cooling
- Heating features: Electric,Heat Pump
- Cooling features: Electric,Heat Pump
Interior Area
- Total structure area: 3,583
- Total interior livable area: 3,583 sqft
Kitchen
- Level: First
Living Room
- Level: First
Master Bathroom
- Level: Second
Master Bedroom
- Level: Second
Utility Room
- Level: Second
Property
Details
- Parcel number: 15930036.000
Features
- Levels: Two
- Fencing: Privacy,Wood
Lot
- Lot size: 10,018 sqft
- Features: Landscaped
Parking
- Total spaces: 2
- Parking features: Attached Garage,Driveway,Garage Door Opener,Garage Faces Front
- 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
- Strong Wind
- Lightning
- Tornado
- Winter Weather
- Cold Wave
- Hail
- Inland Flooding
- Ice Storm
How This Home’s Risks Compare
FEMA Declared Disasters Across Kentucky Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,776 | $33,312 |
| Home Insurance * | $234 | $2,808 |
| Property Taxes | $425 | $5,100 |
| Electricity | $282 | $3,395 |
| Total | $3,717 | $44,604 |
Income You'd Need if You Spent...
Kentucky FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-13 | Price change | $499,900 |
| 2026-07-28 | Price change | $549,000 |
| 2026-06-26 | Listed for sale | $559,000 |
| 2021-09-30 | Sold | $405,000 |
| 2021-01-14 | Listing removed | -- |
| 2020-09-10 | Listed for sale | $339,900 |
| 2020-02-27 | Listing removed | $300,000 |
| 2019-04-09 | Listed for sale | $300,000 |
| 2015-07-02 | Sold | $11,000 |
View on Zillow