120 Veal Ln, New Concord, KY, 42076
About This Home
Kentucky Lake retreat with year-round water offering the perfect setup for multi-family living, vacation guests, or investment potential! This thoughtfully designed home is divided into two separate living spaces connected by an interior doorway, providing privacy & flexibility while still functioning as one property. Each side features its own spacious bedroom, 1.5 baths, full kitchen, washer & dryer, and walk-in closet, making it ideal for hosting family & friends or creating separate guest quarters. The gentle slope leads to a private covered dock, complete with pontoon boat, for easy days on beautiful Kentucky Lake. Relax & enjoy breathtaking views from the screened porch or patio. The property also includes many furnishings, two outbuildings for additional storage, & plenty of room to enjoy lake life to the fullest. Whether you're looking for a personal getaway, family retreat, or income-producing opportunity, this unique lake property offers endless possibilities!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1999
Materials
- Foundation: Slab
- Roof: Metal
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Microwave,Refrigerator,Washer,Oven
Bathroom1
- Level: First
Bathroom2
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 4
- Full bathrooms: 2
- 1/2 bathrooms: 2
Features
- Walk-In Closet(s),Ceiling Fan(s)
- Flooring: Laminate
- Finished area below ground: 0
- Finished area above ground: 2,030
Heating & Cooling
- Heating features: Electric
- Cooling features: Central Air,Ceiling Fan(s),Multi Units
Interior Area
- Total structure area: 2,030
- Total interior livable area: 2,030 sqft
Kitchen
- Level: First
Living Room
- Level: First
Master Bedroom
- Level: First
Property
Details
- Parcel number: 102B0018
Features
- Levels: One
- On waterfront: Yes
- Waterbody name: Kentucky Lake
Lot
- Lot size: 0.44 Acres
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 * | $112 | $1,344 |
| Property Taxes | $262 | $3,144 |
| Electricity | $160 | $1,923 |
| Total | $2,303 | $27,636 |
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 |
|---|---|---|
| 2026-07-30 | Price change | $350,000 |
| 2026-06-14 | Price change | $369,000 |
| 2026-05-31 | Listed for sale | $399,000 |
| 2018-11-01 | Listing removed | $245,400 |
| 2018-07-16 | Price change | $245,400 |
| 2018-03-26 | Listed for sale | $259,000 |
For Sale by Agent
View on Zillow