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164 Greenshores Circle Ln, Mc Daniels, KY, 40152

2beds
3baths
2,288sqft
$525,000
$229price/sqft
$3,555/moest. monthly cost
$142,200/yrincome needed

About This Home

Key Features / Highlights: 2 Bedrooms | 2.5 Baths | Bonus Sleeping Room • Approx. 2,288± Sq Ft • 2± Acres • Dock Slip in a Cove • Open Floor Plan • GE Appliances + Gas Stove & Double Oven • Heated Tile Floors (Primary Bath) • Finished Walkout Basement w/ Kitchenette • 530± Sq Ft Deck + 700± Sq Ft Patio • Hot Tub • Fenced Backyard • Dual-Fuel HVAC • Whole-Home Generator • High-Speed Internet Available • Oversized 2-Car Garage • Lean-To for Boat Storage • Asphalt Circular Driveway • Located by Laurel Branch Boat Ramp & Beach Beautifully maintained 2-bedroom, 2.5-bath lake home with an additional private sleeping room, offering approximately 2,288± square feet on 2± Beach and boat ramp. The dock, located just 2 doors down in a protected cove, is transferable with COE approval. This property features a circular asphalt driveway, oversized 2-car garage & a carport/lean-to for boat or lake toy storage. Ideally situated just minutes from shopping, dining, gas, marina access & popular Rough River Lake destinations, this home is perfect as a full-time residence, weekend retreat, or short-term rental opportunity. The open-concept main level offers seamless flow between the kitchen, dining & living area...ideal for entertaining. The kitchen is equipped with GE appliances, a gas stove with double oven, soft-close cabinetry, glass tile backsplash, large pantry, LED lighting & a new dishwasher. A main-level laundry room includes built-ins, a pet door & direct garage access. Enjoy outdoor living on the spacious 530± sq ft deck featuring herringbone flooring, built-in sunshades & beautiful sunset views. The main-level primary suite includes a walk-in closet, heated tile bathroom floors, large walk-in shower & a custom Italian marble vanity. The finished walkout basement offers a second bedroom, full bath, bonus room (ideal for additional sleeping space, home office, or gym) & a large entertaining area with a kitchenette/bar, GE refrigerator & extra cabinetry. Step outside to a 700± sq ft patio with hot tub & fenced backyard overlooking wooded surroundings. Additional features include updated flooring on the main level, dual-fuel HVAC, public water, propane, septic system, and a whole-home generator for backup power. High-speed wired internet and cable are available, making this a true work-from-lake property. Kitchen appliances are included. Select furnishings, washer/dryer & decor are negotiable. Turnkey and surrounded by nature, this home & property on Rough River Lake offers privacy, comfort & modern conveniences for everyday life at the lake. Dock to transfer with COE approval. washer/dryer & kitchen appliances remain. Furnishings & decor negotiable.

Getting Around

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

Schools

7/10
5/10

Construction

Condition

  • Year built: 2018

Materials

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

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Walkout Finished

Bedroom

  • Level: Basement

Bedrooms & Bathrooms

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

Dining Area

  • Level: First

Features

  • Finished area below ground: 1,144
  • Finished area above ground: 1,144

Full Bathroom

  • Level: Basement

Game Room

  • Level: Basement

Half Bathroom

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 1,144
  • Total interior livable area: 2,288 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Living Room

  • Level: Basement

Other

  • Level: Basement

Other

  • Level: Basement

Primary Bathroom

  • Level: First

Primary Bathroom

  • Level: First

Property

Details

  • Parcel number: ES18B

Features

  • Stories: 1
  • Patio & porch: Deck,Patio,Porch
  • Exterior features: Boat Slip
  • Has spa: Yes
  • Spa features: Heated
  • Fencing: Chain Link
  • Waterfront features: Creek

Lot

  • Lot size: 2 Acres
  • Features: Irregular Lot,Cul-De-Sac,Easement,Cleared,Wooded

Parking

  • Total spaces: 4
  • Parking features: Off Street,Attached,Entry Front,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 4
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 2

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 $2,654$31,848
Home Insurance *$343$4,116
Property Taxes $378$4,536
Electricity $180$2,168
Total$3,555$42,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,885/yr
40% on housing$106,650/yr
45% on housing$94,800/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

$229This listing

vs Other Active Listings

Avg $/sqft

ZIP 40152$204
Breckinridge County$137

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)

No zestimate history available

Price History

DateEventPrice
2026-03-23Listed for sale$525,000
2025-12-31Listing removed$539,000
2025-07-04Listed for sale$539,000
2021-06-04Sold$415,000
2021-05-12Pending sale$432,500
2021-04-23Contingent$432,500
2021-04-21Listed for sale$432,500
2015-07-31Sold$26,000

For Sale by Agent

AgentHeather Keith, Red Edge Realty
BrokerageRed Edge Realty

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