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592 J M Mercer Campsite Rd, Hudson, KY, 40145

4beds
2baths
2,432sqft
$140,000
$58price/sqft
$1,105/moest. monthly cost
$44,200/yrincome needed

About This Home

Wanting to be close to Rough River with a community boat ramp? This is it! Enjoy peaceful living in this roomy 4-bedroom, 2-bath home set on a quarter-acre lot. The inviting interior features an open floor plan with a large, eat-in kitchen that flows seamlessly into the living room—perfect for everyday living and entertaining. You'll also appreciate the spacious family room, ideal for gathering, relaxing, or creating a cozy entertainment space. Located in a quiet, country setting, this property offers the space and serenity you're looking for while still providing the convenience of single-level living. A wonderful opportunity for anyone seeking comfort, affordability, and room to spread out.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

7/10
5/10

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Concrete Blk
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Other
  • Property subType: Manufactured Home

Interior

Basement

  • Basement: None

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Family Room

  • Level: First

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,432

Full Bathroom

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 2,432
  • Total interior livable area: 2,432 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bathroom

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: MI 41

Features

  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: None
  • Fencing: Partial

Lot

  • Lot size: 10,454 sqft
  • Features: Easement,Wooded

Parking

  • Parking features: None

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 $707$8,484
Home Insurance *$90$1,080
Property Taxes $116$1,392
Electricity $192$2,304
Total$1,105$13,260
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$37,885/yr
40% on housing$33,150/yr
45% on housing$29,466/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

$58This listing

vs Other Active Listings

Avg $/sqft

ZIP 40145$86
Breckinridge County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 40145
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
2025-12-11Price change$140,000
2025-11-21Price change$120,000
2025-11-17Listed for sale$150,000
2018-04-27Sold$51,500
2014-06-19Sold$38,000

For Sale by Agent

AgentSteve P Nikirk
BrokerageReal Broker, LLC

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