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660 Fogg Pike, Mount Sterling, KY, 40353

4beds
1baths
1,751sqft
$575,000
$328price/sqft
$3,909/moest. monthly cost
$156,360/yrincome needed

About This Home

Welcome to 660 Fogg Pike! This classic 1950s home sits on 24.81 acres of versatile Kentucky countryside, offering both charm and opportunity. The expansive land is ideal for hay production, gardens, or simply enjoying the open space and peaceful surroundings. Inside, the home features spacious living areas ready for your personal touch. Enjoy the tranquility of country living while being just minutes from dining, shopping, and local conveniences in Mt. Sterling, and only about 30 minutes from Lexington.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

6/10
7/10
McNabb Middle SchoolGrades 6-81.1 mi
7/10

Construction

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Range,Refrigerator
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes

Bedroom1

  • Level: First

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Hardwood,Laminate
  • Number of fireplaces: 2
  • Fireplace features: Living Room,Master Bedroom
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,751

Heating & Cooling

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

Interior Area

  • Total structure area: 1,751
  • Total interior livable area: 1,751 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 0240000004.00

Features

  • Levels: Two
  • Fencing: Wood,Wire
  • Has view: Yes
  • View description: Farm
  • Horses can be raised: Yes

Lot

  • Lot size: 24.81 Acres

Parking

  • Parking features: Driveway
  • 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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Kentucky Counties

Flood
Hurricane
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
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 $2,907$34,884
Home Insurance *$325$3,900
Property Taxes $523$6,276
Electricity $154$1,850
Total$3,909$46,908
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$134,022/yr
40% on housing$117,270/yr
45% on housing$104,240/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.4%
0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$328This listing

vs Other Active Listings

Avg $/sqft

ZIP 40353$158
Montgomery County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 40353$152
Montgomery County$143

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
2026-07-16Price change$575,000
2025-10-09Price change$599,900
2025-09-09Listed for sale$625,000

For Sale by Agent

AgentChad Wightman
BrokerageERA Select Real Estate

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