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1300 Lower Concord Rd, Carlisle, KY, 40311

4beds
2baths
1,694sqft
$4,858,200
$2,868price/sqft
$29,720/moest. monthly cost
$1,188,800/yrincome needed

About This Home

Rarely does a contiguous estate of this magnitude hit the Nicholas County market, offering 809.763 acres across three connected parcels with six convenient entrances—sold strictly as a single, undivided legacy farm. This expansive property is fully enclosed by perimeter fencing in good condition and features a versatile mix of cleared pasture, productive hay fields, and dense woods perfect for hunting. The functional infrastructure includes two tenant houses in fair condition, multiple barns and sheds, a dedicated hay storage building, and reliable water sources via a creek and several ponds and public water. Whether you are looking to scale a cattle operation or secure a private recreational retreat, this massive acreage provides the infrastructure and scale to handle it all.

Getting Around

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

Schools

4/10

Construction

Condition

  • Year built: 1954

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman
  • Property subType: Farm

Interior

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Cooling

  • Cooling features: Window Unit(s)

Features

  • Flooring: Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,694

Interior Area

  • Total structure area: 1,694
  • Total interior livable area: 1,694 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 0320000014 / 0320000027 / 0320000028
  • Zoning: AR
  • Horse amenities: Hay Storage

Features

  • Levels: One and One Half
  • Fencing: Wire
  • Has view: Yes
  • View description: Rural,Trees/Woods,Farm
  • Topography of land: Gentle Sloping, Rolling Slope, Cleared

Lot

  • Lot size: 809.76 Acres
  • Features: Cleared,Irregular Lot,Rolling Slope,Gentle Sloping

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

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Kentucky Counties

Flood
Hurricane
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
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 $24,565$294,780
Home Insurance *$3,938$47,256
Property Taxes $1,063$12,756
Electricity $154$1,850
Total$29,720$356,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,018,971/yr
40% on housing$891,600/yr
45% on housing$792,533/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: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 4.1%
4.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$2,868This listing

vs Other Active Listings

Avg $/sqft

ZIP 40311$146
Nicholas County$136

vs Homes Sold Last Month

Median $/sqft

ZIP 40311
Nicholas County$159

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
2026-03-10Listed for sale$4,858,200

For Sale by Agent

AgentKrista C Kates
BrokerageThwaites Realtors LLC

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