See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

313 Jay Rd, Owingsville, KY, 40360

6beds
0baths
3,335sqft
$575,000
$172price/sqft
$4,218/moest. monthly cost
$168,720/yrincome needed

About This Home

Tucked away at the end of a long private driveway, this breathtaking 40-acre farm offers the kind of peace, privacy, and wide-open beauty that is getting harder to find. With rolling pastureland, fenced acreage, a large pond, sweeping views for miles, and a relaxing covered front porch, this property feels like your own private Kentucky retreat while still being just minutes from I-64. The traditional-style farmhouse is full of character and opportunity, offering a solid foundation to create the homestead, horse farm, or multigenerational family property you have been dreaming about. The home sits on a full basement and will need electricity and plumbing added, giving buyers the chance to modernize the property to fit their needs while building equity along the way. The seller is willing to work with buyers regarding improvements, and lending options may be available for qualifying buyers looking to finance their farming or homestead operation. Equestrian and farm features include fenced pasture space, a horse training track, stables, a tobacco barn, additional flexible shop and storage space, plenty of parking, and public water available at the hydrant. Whether you are raising livestock, starting a sustainable farm, creating an off-grid-inspired retreat, or simply wanting room to spread out and enjoy country living, this property offers endless possibilities. There is also an option to purchase the neighboring approximately 7-acre property, which features another large home. Together, the properties create a rare opportunity for expanded farming operations, guest housing, rental income, or multigenerational living. Sit on the porch, take in the quiet countryside, and listen to the martins working overhead while helping naturally manage insects. Properties like this do not come along often—a beautiful blend of usable land, privacy, scenery, and potential in an incredible location.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

4/10
6/10
6/10
Bath County High SchoolGrades 9-123.8 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Concrete Perimeter
  • Roof: Metal
  • Construction materials: Metal Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Concrete,Full

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedroom5

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 6

Features

  • Eat-in Kitchen
  • Flooring: Hardwood,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 3,335

Heating

  • Heating features: Wood

Interior Area

  • Total structure area: 3,335
  • Total interior livable area: 3,335 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 0350000017.00

Features

  • Levels: Two
  • Fencing: Wire
  • Has view: Yes
  • View description: Rural,Mountain(s),Farm
  • Horses can be raised: Yes

Lot

  • Lot size: 40.30 Acres
  • Features: Landscaped,Secluded,Many Trees

Parking

  • Parking features: 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

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

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 $2,907$34,884
Home Insurance *$448$5,376
Property Taxes $600$7,200
Electricity $263$3,160
Total$4,218$50,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$144,617/yr
40% on housing$126,540/yr
45% on housing$112,480/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$172This listing

vs Other Active Listings

Avg $/sqft

ZIP 40360$137
Bath County$146

vs Homes Sold Last Month

Median $/sqft

ZIP 40360$134
Bath County$143

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
2026-05-22Listed for sale$575,000
2026-04-01Listing removed$599,000
2025-09-12Listed for sale$599,000
2015-12-29Sold$146,000

For Sale by Agent

AgentRebakah R Goodpaster
BrokerageKeller Williams Legacy Group

Similar Homes