842 Treasure Island Rd, Hardin, KY, 42048
About This Home
Kentucky Lake area home in Pirates Cove Resort! Sitting on 5 lots, This 4 bed, 2 bath property is ideal for a vacation getaway, full time residence , or short-term rental. Features include a wrap-around porch, private in-ground pool with pool house, storm shelter, outbuildings, and a 40x50 3-bay garage/shop with 10x12 doors—well-suited for boats, RVs, or potential rental income. The en-suite bath features a soaking tub and separate walk-in shower. Recent updates include metal roof, composite flooring throughout, gas stove, 2 refrigerators, dishwasher, HVAC, and gas water heater. Situated on Jonathan Creek, known for fishing and Water sports, approx. 20 min to Murray State and 15 min to LBL. Enjoy fishing, boating, hiking, and wildlife viewing, including bald eagles. Community amenities include airstrip, marina, boat launch, clubhouse, pool, courts & mini golf. HOA fees apply See Pirates Cove association for information on HOA fees. Buyer to verify all pertinent information.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1987
Materials
- Foundation: Concrete Perimeter
- Roof: Metal
- Construction materials: Aluminum Siding,Brick Veneer
Type & Style
- Home type: MobileManufactured
- Architectural style: Ranch
- Property subType: Manufactured Home
Interior
Appliances
- Appliances included: Gas Range,Refrigerator,Oven
- Laundry features: Electric Dryer Hookup,Main Level
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Features
- Breakfast Bar,Entrance Foyer,Eat-in Kitchen,Walk-In Closet(s),Ceiling Fan(s),Soaking Tub
- Door features: Storm Door(s)
- Flooring: Laminate
- Number of fireplaces: 1
- Fireplace features: Family Room,Propane
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,800
Heating & Cooling
- Heating features: Propane
- Cooling features: Electric
Interior Area
- Total structure area: 1,800
- Total interior livable area: 1,800 sqft
Kitchen
- Level: First
Master Bedroom
- Level: First
Property
Details
- Parcel number: 740A25042.
Features
- Levels: One
- Private pool: Yes
- Pool features: In Ground
- Fencing: Privacy
Lot
- Lot size: 0.33 Acres
Parking
- Total spaces: 4
- Parking features: Detached Garage,Driveway,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 4
- Covered spaces: 4
- 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
- Cold Wave
- Ice Storm
- Lightning
- Strong Wind
- Winter Weather
- Drought
- Earthquake
- Hail
- Heat Wave
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters Across Kentucky Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,390 | $16,680 |
| Home Insurance * | $289 | $3,468 |
| Property Taxes | $542 | $6,504 |
| Electricity | $154 | $1,850 |
| Total | $2,375 | $28,500 |
Income You'd Need if You Spent...
Kentucky FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-23 | Listed for sale | $275,000 |
| 2026-06-30 | Pending sale | $275,000 |
| 2026-06-17 | Price change | $275,000 |
| 2026-04-28 | Listed for sale | $295,000 |
| 2026-04-01 | Listing removed | $299,900 |
| 2026-02-16 | Price change | $299,900 |
| 2025-06-16 | Price change | $339,900 |
| 2024-11-11 | Listed for sale | $349,900 |
For Sale by Agent
View on Zillow