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2466 Back Creek Rd, Waddy, KY, 40076

3beds
2baths
1,800sqft
$799,999
$444price/sqft
$5,535/moest. monthly cost
$221,400/yrincome needed

About This Home

Welcome to your own private retreat a rare 86-acre escape where natural beauty and serenity take center stage. Nestled among rolling landscape, this stunning property features scenic creeks, wooded trails, and abundant wildlife, creating the perfect setting for peaceful walks, outdoor adventures, or simply enjoying the quiet privacy it offers. The charming cottage style home is perfectly positioned to capture breathtaking views in every direction. Inside, you'll find a warm and inviting open concept living and dining area filled with natural light from an abundance of windows. A fully glassed sunroom adjoins the main living space, providing a panoramic vantage point to relax and take in the surrounding beauty year round. The kitchen offers generous cabinet and counter space along with a gas stove ideal for everyday living or entertaining. Upstairs, two spacious bedrooms provide comfort and cozy charm, each overlooking the picturesque property. Just behind the main home, a separate outbuilding offers incredible flexibility, perfect for a recreation or game room, art studio, guest space, or private office. Whether you're seeking a full time residence, weekend getaway, homesteading compound great for chickens, cows and gardens or nature lover's paradise, this one-of a kind property delivers unmatched privacy, scenic trails, and tranquil country living all conveniently located just 42 miles from Louisville and 43 miles from Lexington. The home is being offered furnished (concert to some exclusions)

Getting Around

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

Schools

7/10
3/10
Shelby County High SchoolGrades 9-1210.0 mi

Construction

Condition

  • Year built: 1915

Materials

  • Foundation: Concrete Blk
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Farmhouse
  • Property subType: Farm

Interior

Basement

  • Basement: None

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Area

  • Level: First

Family Room

  • Level: First

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,800

Heating

  • Heating features: Propane

Interior Area

  • Total structure area: 1,800
  • Total interior livable area: 1,800 sqft

Kitchen

  • Level: First

Sun Room

  • Level: First

Property

Details

  • Parcel number: 07500018

Features

  • Stories: 2
  • Patio & porch: Patio
  • Waterfront features: Creek

Lot

  • Lot size: 86.44 Acres

Parking

  • Parking features: Driveway
  • 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

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $4,045$48,540
Home Insurance *$574$6,888
Property Taxes $762$9,144
Electricity $154$1,850
Total$5,535$66,420
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$189,771/yr
40% on housing$166,050/yr
45% on housing$147,600/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: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$444This listing

vs Other Active Listings

Avg $/sqft

ZIP 40076$296
Shelby County$259

vs Homes Sold Last Month

Median $/sqft

ZIP 40076$168
Shelby County$161

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
2026-03-13Price change$899,999
2026-02-13Listed for sale$950,000
2025-12-18Listing removed$999,999
2025-10-24Price change$999,999
2025-07-03Listed for sale$1,200,000
2015-08-12Sold$290,000

For Sale by Agent

AgentBrock Lisby
BrokerageTorrey Smith Realty Co., LLC

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