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137 Summer Hill Dr, Columbia, KY, 42728

5beds
3baths
2,400sqft
$310,000
$129price/sqft
$2,381/moest. monthly cost
$95,240/yrincome needed

About This Home

Home has roughly 2400sq ft. living space (1564 main level plus approx 900sqft in the finished basement. Sets on about 0.53 acres in the desirable Miller Heights subdivision 2 miles from Columbia. Home includes 3 bedrooms, 3 full baths, garage, and a finished basement. Basement includes living area, kitchen and 2 additional bedrooms (or storage/office/crafting areas). Other notables include large walk-in master closet, large laundry, hardwood floors and tile. Perfect for first home buyers, growing families or those that are looking to settle down in a quiet neighborhood. If you are interested, we’d love to show it to you, discuss next steps.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

6/10
5/10
4/10
Adair County High SchoolGrades 9-123.5 mi

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Concrete
  • Roof: Metal
  • Construction materials: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range / Oven,Refrigerator

Basement

  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Tile,Hardwood,Laminate

Heating & Cooling

  • Heating features: Heat pump
  • Cooling features: Central

Interior Area

  • Total interior livable area: 2,400 sqft

Property

Details

  • Parcel number: 063030007458

Features

  • Exterior features: Vinyl

Lot

  • Lot size: 0.53 Acres

Parking

  • Parking features: Garage - Attached

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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $1,567$18,804
Home Insurance *$308$3,696
Property Taxes $317$3,804
Electricity $189$2,274
Total$2,381$28,572
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,634/yr
40% on housing$71,430/yr
45% on housing$63,493/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.2%
2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$129This listing

vs Other Active Listings

Avg $/sqft

ZIP 42728$155
Adair County$160

vs Homes Sold Last Month

Median $/sqft

ZIP 42728
Adair County$118

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
2026-07-06Listed for sale$310,000
2014-05-02Sold$140,000
2013-09-19Sold$166,000

For Sale by Owner

AgentProperty Owner

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