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1040 Lone Valley Rd, Calvert City, KY, 42029

4beds
2baths
3,254sqft
$649,000
$199price/sqft
$4,755/moest. monthly cost
$190,200/yrincome needed

About This Home

1040 Lone Valley Rd, Calvert City, Ky - Exceptional Property Offering Endless Possibilities On 5 Private Acres! This Impressive Home Features 4 Bedrooms & 2 Full Bathrooms With A Thoughtful Split Layout: 2 Bedrooms And 1 Bath On Each Level Providing Space And Privacy For Everyone. The Primary Bath Showcases A Double Vanity, Walk-in Shower, And Charming Clawfoot Tub, While The Second Bath Includes A Vanity And Full Tub. All Bedrooms Are Generously Sized With Walk-in Closets. Enjoy A Large Living Room, Spacious Kitchen And Dining Area, And A Kitchen That Is Truly A Cook’s Dream—perfect For Hosting Large Gatherings. Ample Shop Space Includes 9 Carports And Multiple Garages: Main Garage Approx. 96x40 With (2) 12x14 Doors, 24x8 Slider, Heated/cooled Workshop With Loft Storage, Full Bath & 14,000-lb Lift (stays). Second Garage Approx. 64x44 With (4) 12x12 Doors. Maintenance-free Exterior. Ideal For Mechanic, Auto Body, Boat Or Equipment Storage. The Possibilities Are Truly Endless! $759,000

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

5/10
8/10
7/10

Construction

Condition

  • Year built: 2009

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Frame,Metal Siding,Dry Wall

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Stove,Washer,Electric Water Heater
  • Laundry features: Utility Room,Washer/Dryer Hookup

Basement

  • Basement: None

Bathroom

  • Features: Double Vanity,Separate Shower,Walk-In Closet(s)

Bedroom2

  • Level: Main

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 2

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Ceiling Fan(s),Workshop
  • Window features: Tilt Windows,Vinyl Frame
  • Flooring: Carpet
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

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

Interior Area

  • Total structure area: 3,254
  • Total interior livable area: 3,254 sqft

Kitchen

  • Features: Kitchen/Dining Room

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 51000004101

Features

  • Levels: One and One Half
  • Stories: 1
  • Exterior features: Lighting

Lot

  • Lot size: 5 Acres
  • Features: Trees,County,Level

Parking

  • Total spaces: 10
  • Parking features: Carport,Detached,Heated Garage,Workshop in Garage,Concrete Drive,Paved
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 10
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 6

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

  • Ice Storm
    Ice StormVery High
  • Earthquake
    EarthquakeRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Ice Storm
Earthquake
Hail
Strong Wind
Tornado
Winter Weather
Cold Wave
Heat Wave
Inland Flooding
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 $3,281$39,372
Home Insurance *$772$9,264
Property Taxes $446$5,352
Electricity $256$3,083
Total$4,755$57,060
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,028/yr
40% on housing$142,650/yr
45% on housing$126,800/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -2.5%
-2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$199This listing

vs Other Active Listings

Avg $/sqft

ZIP 42029$90
Marshall County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 42029
Marshall County$115

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
2026-04-13Price change$759,000
2026-01-14Listed for sale$799,000
2025-12-03Listing removed$799,000
2025-05-07Listed for sale$799,000
2013-06-19Sold$295,000

For Sale by Agent

AgentMarianne Lynch
BrokerageRE/MAX Real Estate Associates

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