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110 Nathan Rd, Falls Of Rough, KY, 40119

1beds
1baths
1,020sqft
$155,000
$152price/sqft
$1,202/moest. monthly cost
$48,080/yrincome needed

About This Home

Charming Waterfront Cottage with 2 Docks and Wooded Lake Views! If you're looking for a peaceful getaway by the lake, this 1.5-story cottage tucked away in the trees of Indian Valley might just be the perfect spot. This lakefront home is cozy, comfortable, and full of character. With 1 bedroom, a huge loft, 1 bath, and 1,020 square feet, there's enough space to sleep 8 people comfortably. Outdoor Living at Its Best: The wraparound deck, while in need of a bit of attention, provides a fantastic space for entertaining or simply soaking in the peaceful, waterfront surroundings. The wooded lot offers a perfect blend of shade and privacy, making it feel like a true retreat from the world. Just a few steps below the back deck, you'll find not one, but TWO of you very own boat docks, located directly below the cottage. Having two docks is a rarity, making this place a standout for boating enthusiasts. Whether you're hosting family and friends or just want a space to dock multiple watercraft, this feature adds incredible value. Another bonus is that The Indian Valley neighborhood has is own community boat ramp less than a minute drive from the cottage, so getting your boat in the water couldn't be easier. Also, Indian Valley is situated in a popular area of the lake so hangouts like the ski course, Ski Island and Sandy Beach are a just a short boat ride away. Cozy Inside Spaces: The inside of the cottage is warm and inviting. Vaulted ceilings and large sliding glass doors offer wooded lake views and let in tons of natural light. The living room flows into the dining area and kitchen, giving you plenty of space to gather with friends and family. There's even a wood-burning fireplace, perfect for chilly nights or adding a little extra coziness to the space. The main living area has updated laminate flooring that's easy to maintain, and upstairs, the loft provides extra sleeping areas for guests or a quiet nook to escape with a good book. A Great Location: Even though this property feels like a hidden gem, it's not too far off the beaten path: Leitchfield, KY is just 20 minutes away for all your shopping and dining needs. Hardinsburg, KY is about a 35-minute drive, offering even more options. Rough River Dam State Resort Park is only 20 minutes away if you're looking for local restaurants, a day of hiking, fishing, or exploring. Indian Valley Boat Ramp is less than 1 minute from the cottage, so getting your boat in the water couldn't be easier. Investment Potential: With unrestricted short-term rental options, this cottage is also a fantastic investment opportunity. While the the home could use some updates, the potential here is undeniable. The location, two-dock setup, and lakeside charm, make this property an incredible find. You could easily turn it into a vacation rental for lake lovers who want to experience everything Rough River Lake has to offer. This property really is the best of both worlds a peaceful lakeside retreat with modern conveniences close by. Whether you're looking for a weekend getaway, a place to make family memories, or an investment opportunity, this lakefront cottage has it all.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
8/10
4/10

Construction

Condition

  • Year built: 1985

Materials

  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Basement: None

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,020

Full Bathroom

  • Level: Second

Game Room

  • Level: Second

Heating & Cooling

  • Heating features: Other
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,020
  • Total interior livable area: 1,020 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Loft

  • Level: Second

Property

Details

  • Parcel number: INDIAN V207

Features

  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Boat Slip
  • Fencing: None
  • On waterfront: Yes
  • Waterfront features: Lake Front

Lot

  • Features: Irregular Lot,Easement,Wooded
  • Lot size dimensions: 0

Parking

  • Parking features: Off Street,Entry Front,Driveway
  • 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

  • Hail
    HailRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $783$9,396
Home Insurance *$132$1,584
Property Taxes $133$1,596
Electricity $154$1,850
Total$1,202$14,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,211/yr
40% on housing$36,060/yr
45% on housing$32,053/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$152This listing

vs Other Active Listings

Avg $/sqft

ZIP 40119$154
Grayson County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 40119
Grayson County$162

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

DateEventPrice
2026-03-25Price change$155,000
2025-05-20Price change$169,000
2025-03-25Listed for sale$179,000

For Sale by Agent

AgentAlissa Doan
BrokerageRed Edge Realty

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