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997 Camp Green Shores Ln, Mc Daniels, KY, 40152

3beds
4baths
2,899.21sqft
$899,000
$310price/sqft
$5,765/moest. monthly cost
$230,600/yrincome needed

About This Home

997 Camp Greenshores Ln spans three waterfront lots and features nearly 2,900 finished square feet, two docks with jet ski ramps, a 40×48 detached shop, and a 24×24 detached garage, all set on one of the most exceptionally gentle walks to the dock you will find anywhere on Rough River Lake. Built in 2013 by Amish craftsmen, this 3-bedroom, 3.5-bath home with a finished bonus sleeping room reflects quality construction throughout. Hardie board siding and Trex decking with metal railing provide durability, while a 2023 exterior refresh including new paint and Trex deck boards, along with a 2022 HVAC replacement, add meaningful recent updates. Inside, soaring vaulted ceilings with exposed beams and expansive windows define the main living area. The height of the room and scale of the glass give the space a presence that immediately sets it apart. The kitchen carries the same scale as the main living area, positioned beneath the vaulted ceiling and open to the lake-facing windows. Custom cabinetry, leathered granite countertops, a contrasting island with bar seating, and a layout that keeps everyone connected without crowding the space define the kitchen. The home offers two true suites, including the main-level primary suite and a private upper-level suite, each with its own full bath. The primary suite faces the lake and opens directly to the deck, with water views from the bedroom itself. Tile flooring runs throughout the bath. The bath includes a double vanity, linen storage, and two separate closets. Upstairs, the second suite provides privacy from the main level and features its own full bath and window seating nook. The walkout basement functions as a true second living level, anchored by a spacious den and a full bar with sink, beverage refrigerator, and substantial counter space. The adjoining kitchenette makes the space fully self-sufficient for guests. A full bedroom, separate bonus sleeping room, and full bath complete the lower level. The stamped concrete porch and hot tub extend the entertaining space outdoors. Outside is where this property stands apart. Three waterfront lots create space and privacy that cannot be recreated. One of the waterfront lots is separately buildable and could be sold independently, offering long-term flexibility and additional value. The walk to the dock is easy and direct. A large gazebo near the shoreline provides a dedicated gathering space just above the dock. Two docks are positioned in a cove and include two jet ski ramps. Very few properties on Rough River Lake offer this level of dock capacity within one ownership. Storage here is exceptional: • 40×48 detached shop with concrete floor and electric • 24×24 detached garage with concrete floor and electric Boats, personal watercraft, golf carts, vehicles, and equipment all have room without compromise. The Camp Greenshores neighborhood does not restrict short-term rentals, offering flexibility for personal use, investment potential, or a combination of both. Location is another major strength. The home is just 1.3 miles from Laurel Branch Boat Ramp and Campground, located at the entrance of the neighborhood. Laurel Branch drops you directly into the heart of Rough River, making launching, retrieving, and spending days on the water straightforward and convenient. By water, you are minutes from the most popular boating areas - Sandy Beach, Cave Creek, Big Bay, and the marina at Rough River Dam State Resort Park for fuel, dining, and live music. By car, you are approximately 10 minutes to Axtel and North Fork boat ramps, 15 minutes to Hardinsburg, and 20 minutes to Leitchfield. The home has already been pre-inspected, providing buyers with added confidence and a smoother path to closing. This is a property built to support the lake lifestyle without compromise - space, storage, access, and location working together at scale. Furniture included, making this home ready to enjoy asap!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

7/10
5/10

Construction

Condition

  • Year built: 2013

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Other,Wood Frame,Stone

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Finished,Walkout Finished

Bedroom

  • Level: Second

Bedroom

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Den

  • Level: Basement

Features

  • Finished area below ground: 1,200
  • Finished area above ground: 1,699

Full Bathroom

  • Level: Second

Full Bathroom

  • Level: Basement

Half Bathroom

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 1,699
  • Total interior livable area: 2,899 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Other

  • Level: Basement

Other

  • Level: Basement

Primary Bathroom

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: IVS 5

Features

  • Stories: 2
  • Patio & porch: Deck,Porch
  • Exterior features: Boat Slip
  • Has spa: Yes
  • Spa features: Heated
  • Fencing: None
  • On waterfront: Yes
  • Waterfront features: Lake Front

Lot

  • Lot size: 2.81 Acres
  • Features: Irregular Lot,Easement,Cleared

Parking

  • Total spaces: 6
  • Parking features: Detached,Entry Front,Driveway
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 6
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $4,545$54,540
Home Insurance *$588$7,056
Property Taxes $404$4,848
Electricity $228$2,747
Total$5,765$69,180
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$197,657/yr
40% on housing$172,950/yr
45% on housing$153,733/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

$310This listing

vs Other Active Listings

Avg $/sqft

ZIP 40152$183
Breckinridge County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 40152
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
2026-02-23Listed for sale$899,000
2013-04-19Sold$310,000

For Sale by Agent

AgentAlissa Doan
BrokerageRed Edge Realty

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