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860 Spring Shores Ln, Falls Of Rough, KY, 40119

4beds
3baths
2,854sqft
$625,000
$219price/sqft
$4,323/moest. monthly cost
$172,920/yrincome needed

About This Home

Some homes are simply places to stay. Others become part of a family's story. For the past 32 years, this authentic log home on the shores of Rough River Lake has been exactly that—a treasured gathering place where friends and four generations have come together to celebrate summers, holidays, milestones, and the simple joy of life at the lake. With hearts full of memories and gratitude, the owners now offer this remarkable legacy property for the next family to love and enjoy for generations to come. Nestled within the highly desirable Bentwood subdivision, this exceptional lake retreat offers features that are increasingly rare to find. Most notably, the property includes two grandfathered dock slips—an opportunity that can no longer be issued today—along with the convenience of a pathway providing easy access to the dock. Whether you're heading out for an early morning fishing trip, an afternoon of wake surfing, or an evening cruise, getting on the water couldn't be easier. Even better, you're only a short boat ride from Nick's Boat Dock and the State Resort Marina. Originally constructed in 1994, the home underwent a comprehensive renovation and addition in 2014, thoughtfully blending the timeless warmth and character of a true log home with the comforts and finishes today's buyers desire. From the moment you step inside, you'll be captivated by soaring vaulted and beamed ceilings, a dramatic wall of windows, and panoramic views of the surrounding woods and shimmering lake beyond. The open-concept design creates an inviting atmosphere perfectly suited for entertaining family and friends. The spacious great room and dining area flows seamlessly into the beautifully remodeled kitchen, where abundant cabinetry, expansive prep and serving space, quartz countertops, a center island with raised breakfast bar, and updated appliances create the heart of the home. Adjacent to the kitchen, a cozy hearth-style family room anchored by a stunning wood-burning stone fireplace invites long conversations, laughter, and evenings spent reconnecting after a day on the water. The main level offers two comfortable guest bedrooms served by a full hall bath, while upstairs, a lofted bedroom with private ensuite bath provides a peaceful retreat for family or guests. The walkout lower level offers yet another gathering space—ideal for game days, movie nights, or simply unwinding. Tucked away on this level is a private and beautiful primary suite overlooking the lawn and lake beyond. The luxurious ensuite bath features an extended extended vanity with built-in dressing table, walk-in shower, and separate water closet. Just outside, a screened porch creates the perfect setting to enjoy a quiet summer evening, morning coffee, or the peaceful sounds of nature. Outdoor living is equally impressive, with composite decking designed for grilling, entertaining, and taking in the breathtaking lake views that change beautifully with every season. Additional features include a laundry room, abundant storage, one-car garage, city water service, and fiber optic internet—making this home equally suited as a seasonal retreat, retirement haven, or even a year-round residence. Significant improvements completed during the 2014 architectural addition and renovation include Andersen windows, roof replacement, HVAC system, composite decking, kitchen remodel, and updated appliances. Located approximately 90 minutes from downtown Louisville and just under an hour from Elizabethtown, this is the kind of property that invites you to slow down, gather often, and create memories that last a lifetime. Whether your passions include boating, fishing, paddleboarding, wake surfing, or simply relaxing by the water, life on Rough River Lake offers something special in every season. The home may be purchased furnished, allowing the next owners to begin enjoying lake life immediately. Additionally, two boats and a golf cart are available for purchase separately. Ask listing agent for pricing and details.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

7/10
5/10

Construction

Condition

  • Year built: 1994

Materials

  • Foundation: Concrete Blk
  • Roof: Shingle
  • Construction materials: Log

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Walkout Finished

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Family Room

  • Level: First

Family Room

  • Level: Basement

Features

  • Open Floorplan
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 924
  • Finished area above ground: 1,736

Full Bathroom

  • Level: First

Full Bathroom

  • Level: Second

Great Room

  • Level: First

Heating & Cooling

  • Heating features: Electric,Forced Air,Heat Pump
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 1,736
  • Total interior livable area: 2,854 sqft

Kitchen

  • Level: First

Laundry

  • Level: Basement

Other

  • Level: Basement

Primary Bathroom

  • Level: Basement

Primary Bedroom

  • Level: Basement

Property

Details

  • Parcel number: B W 59

Features

  • Stories: 2
  • Patio & porch: Screened Porch,Deck
  • Exterior features: See Remarks,Balcony,Boat Slip
  • Fencing: None
  • On waterfront: Yes
  • Waterfront features: Lake Front

Lot

  • Lot size: 0.28 Acres
  • Features: See Remarks,Wooded
  • Lot size dimensions: 182 x 67

Parking

  • Total spaces: 1
  • Parking features: Attached,Entry Side,Lower Level,See Remarks,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Hail
    HailRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Ice Storm
Strong Wind
Cold Wave
Inland Flooding
Tornado
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 $3,160$37,920
Home Insurance *$467$5,604
Property Taxes $471$5,652
Electricity $225$2,704
Total$4,323$51,876
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$148,217/yr
40% on housing$129,690/yr
45% on housing$115,280/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: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.9%
3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$219This listing

vs Other Active Listings

Avg $/sqft

ZIP 40119$141
Breckinridge County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 40119
Breckinridge County$150

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
2026-07-05Listed for sale$625,000
2012-07-27Sold$15,000

For Sale by Agent

AgentJennifer Carroll
BrokerageSemonin Realtors

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