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1900 McDonald Ferry Rd, Frankfort, KY, 40601

2beds
2baths
1,291sqft
$475,000
$368price/sqft
$3,107/moest. monthly cost
$124,280/yrincome needed

About This Home

This 95.96A± acre property located near Frankfort offers a combination of privacy, natural features, and improvements suited for recreational use, hunting, or a private retreat. The land is approximately 12 miles from Frankfort and 19 miles from Owenton, offering a balance of seclusion and access to nearby amenities.The property is predominantly wooded, with a strong presence of mature hardwood timber, including mast-producing species that support local wildlife. Three ponds are positioned throughout the property, providing consistent water sources for wildlife and enhancing the overall usability of the land. Open ridge top areas offer space for food plots or habitat management, while the existing topography supports a variety of hunting setups and recreational use.Approximately 66 acres of the property are enrolled in a conservation program that restricts access to foot traffic only and maintains the land in its current natural state. This area contributes to long-term habitat preservation and limits future disturbance, while the remaining acreage provides access for improvements and active use.The improvements on the property include a custom-built 2-bedroom, 2-bathroom cabin constructed from wood sourced directly from the land. The exterior features eastern red cedar siding, while the interior includes hardwood flooring made from ash and walnut, red oak finishes, and tile flooring in the kitchen and bathrooms. The home is equipped with a reverse-osmosis water system and features front and rear decks for functional outdoor space.Additional improvements include a 30 x 40 metal building with utilities, a traditional tobacco barn, and a firewood shed. City water, electric, and septic are already in place, making the property ready for immediate use. The northern boundary adjoins Kentucky American Water Company property, which helps limit future neighboring development.This property offers a mix of timber, water, open ground, and improvements that support a variety of uses, including hunting, recreation, and residential enjoyment, in Franklin County.

Getting Around

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

Schools

7/10
5/10
Elkhorn Middle SchoolGrades 6-89.6 mi
5/10

Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Other

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2

Interior Area

  • Total structure area: 1,291
  • Total interior livable area: 1,291 sqft

Property

Details

  • Parcel number: 055000001802

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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Tornado
Cold Wave
Ice Storm
Lightning
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 $2,401$28,812
Home Insurance *$264$3,168
Property Taxes $288$3,456
Electricity $154$1,850
Total$3,107$37,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,525/yr
40% on housing$93,210/yr
45% on housing$82,853/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: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$368This listing

vs Other Active Listings

Avg $/sqft

ZIP 40601$139
Franklin County$140

vs Homes Sold Last Month

Median $/sqft

ZIP 40601$153
Franklin County$144

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
2026-04-15Listed for sale$485,000
2012-03-26Sold$149,900

For Sale by Agent

AgentJason Wallin
BrokerageWhitetail Properties

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