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817 Bellows Mill Rd, Harrodsburg, KY, 40330

3beds
1baths
784sqft
$260,000
$332price/sqft
$1,872/moest. monthly cost
$74,880/yrincome needed

About This Home

Every now and then a home comes along that just feels different.. 817 Bellows Mill Rd. is one of those places. Tucked away where the noise fades and the pace slows down, this property offers something so many are searching for, but few truly find - peace, space and the freedom to live life your way. From the moment you pull in the driveway you can feel it.. this is the kind of place where mornings start a little slower, coffee tastes a little better and evenings stretch out just a little longer. The home welcomes you with warmth and functionality. A spacious kitchen sits at the heart of it all - perfect for gathering, cooking and making memories. While the screened in porch invites you to slow down and enjoy the simple things, whether you're entertaining guests to just soaking in the quiet Kentucky evening. The unfinished basement is full of potential. already featuring an unfinished bathroom and ample space just waiting for your vision. Whether it's additional living space , a home gym, office or guest suite - opportunity to grow is already built in. The 40x60 shop truly sets this property apart, opening the door to endless possibilities. This building isn't just functional it's a game changer. On the property you'll find multiple outbuildings for storage, along with a dedicated grow room designed for propagating plants - perfect for those with a green thumb or entrepreneurial vision. This isn't just a property. it's a lifestyle. A place where work, passion and home can all come together in one space. If you've been waiting for something with flexibility, function and a whole lot of potential this one might be exactly what you've been looking for.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

Construction

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Cooktop
  • Laundry features: Electric Dryer Hookup,Washer Hookup,Lower Level

Basement

  • Has basement: Yes
  • Basement: Concrete,Unfinished,Walk-Out Access,Walk-Up Access

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Ceiling Fan(s)
  • Window features: Blinds,Screens
  • Flooring: Carpet,Hardwood,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 784

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 784
  • Total interior livable area: 784 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 100.16.03001.00

Features

  • Levels: Two
  • Fencing: Wire
  • Has view: Yes
  • View description: Rural

Lot

  • Lot size: 3 Acres
  • Features: Few Trees

Parking

  • Total spaces: 1
  • Parking features: Detached Garage,Driveway,Garage Door Opener,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

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

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 $1,314$15,768
Home Insurance *$140$1,680
Property Taxes $264$3,168
Electricity $154$1,850
Total$1,872$22,464
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,182/yr
40% on housing$56,160/yr
45% on housing$49,920/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: 4.4%
4.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$332This listing

vs Other Active Listings

Avg $/sqft

ZIP 40330$154
Mercer County$168

vs Homes Sold Last Month

Median $/sqft

ZIP 40330
Mercer County$174

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
2026-05-11Price change$329,900
2026-04-18Listed for sale$340,000
2009-06-18Sold$66,670
2005-05-19Sold$77,319

For Sale by Agent

AgentMelanie Qualls
BrokerageRE/MAX Elite Realty

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