38 Elmhurst Ln, Murray, KY, 42071
About This Home
Beautiful Waterfront Home In Panorama Shores On Kentucky Lake! This Inviting 3br, 1.5ba Property Offers Gorgeous Lake Views From Multiple Spaces, Including The Large Living Room With A Cozy Gas Log Fireplace And The Expansive Covered Deck—perfect For Relaxing Or Entertaining. Inside, You’ll Appreciate The Updated Kitchen, Hardwood Flooring In The Main Living Areas, And A Formal Dining Room Ideal For Hosting Family And Friends. Located In The Desirable Panorama Shores Community, This Home Provides Convenient Access To An Hoa Community Boat Launch And Includes Use Of A Large Shared Dock With Three Neighboring Homes. With Municipal Water, Propane Gas, And A Septic System In Place, This Property Provides Convenient Waterfront Living. A Wonderful Opportunity To Enjoy Stunning Views And Direct Access To Kentucky Lake Year-round Or As A Weekend Retreat. Conveniently Located Less Than 15 Minutes From Murray! Open House Saturday, November 22nd From 1:00pm-3:00pm!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Materials
- Roof: Dimensional Shingle
- Construction materials: Frame,Dry Wall
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Stove,Washer,Electric Water Heater
- Laundry features: Laundry Closet,Utility Room,Washer/Dryer Hookup
Basement
- Has basement: Yes
- Basement: Exterior Entry,Sump Pump,Unfinished,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Features: Formal Dining
Features
- Closet Light(s),Walk-In Closet(s)
- Flooring: Carpet,Wood
- Fireplace features: Gas Log,Living Room
- Fireplace: Yes
- Finished area below ground: 0
Heating & Cooling
- Heating features: Gas Pack,Propane
- Cooling features: Central Air
Interior Area
- Total structure area: 2,112
- Total interior livable area: 2,112 sqft
Property
Details
- Parcel number: 088A0074
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck
- Exterior features: Lighting,Private Dock
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water View Year Round
- On waterfront: Yes
- Waterfront features: Waterfront,Kentucky Lake
- Waterbody name: Kentucky Lake
Lot
- Lot size: 0.26 Acres
- Features: County,Dead End Street
- Lot size dimensions: 85 x 144 x 85 x 139
Parking
- Total spaces: 2
- Parking features: Carport
- Covered spaces: 2
- 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
- Cold Wave
- Ice Storm
- Lightning
- Strong Wind
- Tornado
- Winter Weather
- Drought
- Earthquake
- Hail
- Heat Wave
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 | $1,769 | $21,228 |
| Home Insurance * | $298 | $3,576 |
| Property Taxes | $275 | $3,300 |
| Electricity | $166 | $2,001 |
| Total | $2,508 | $30,096 |
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 |
|---|---|---|
| 2026-04-12 | Price change | $399,000 |
| 2025-11-20 | Listed for sale | $425,000 |
View on Zillow