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122 Pineland Ln, Brandenburg, KY, 40108

3beds
3baths
2,195sqft
$387,000
$176price/sqft
$2,698/moest. monthly cost
$107,920/yrincome needed

About This Home

Rare opportunity for lakefront living with space, privacy, and incredible views. This beautifully positioned 3 bedroom, 3 bathroom lake home offers the perfect combination of comfort, outdoor living, and direct access to the water. The home is designed to take full advantage of the setting, featuring a large, wraparound covered deck where you can enjoy morning coffee, host summer gatherings, or relax in the evenings, while overlooking the lake. Inside, the spacious layout provides plenty of room for family and guests, making it ideal as a full time residence, or weekend retreat. Step outside and enjoy your private dock perfect for boating, fishing, swimming, or simply spending the day on the water. Properties with this kind of access and setting are increasingly hard to find.

Getting Around

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

Schools

9/10
5/10
--

Construction

Condition

  • Year built: 1995

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Exterior Entry

Bedroom

  • Level: Second

Bedroom

  • Level: First

Bedroom

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 705
  • Finished area above ground: 1,490

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,490
  • Total interior livable area: 2,195 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Other

  • Level: Basement

Property

Details

  • Parcel number: 1351007113

Features

  • Stories: 2
  • Pool features: Association,Community
  • Patio & porch: Wrap Around,Deck
  • Exterior features: Boat Slip
  • Fencing: None
  • On waterfront: Yes
  • Waterfront features: Lake Front

Lot

  • Lot size: 0.78 Acres
  • Features: Cul-De-Sac,Wooded

Parking

  • Total spaces: 4
  • Parking features: Detached,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 4
  • 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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Heat Wave
Ice Storm
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 $1,956$23,472
Home Insurance *$183$2,196
Property Taxes $386$4,632
Electricity $173$2,080
Total$2,698$32,376
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,502/yr
40% on housing$80,940/yr
45% on housing$71,946/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 40108$155
Meade County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 40108$150
Meade County$136

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)

Price History

DateEventPrice
2026-04-18Price change$387,000
2026-03-28Listed for sale$397,000
2015-11-24Sold$159,000

For Sale by Agent

AgentSarah Beasley
BrokerageStoneGate Realty

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