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965 Buford Rd, Utica, KY, 42376

4beds
4baths
3,206sqft
$765,000
$239price/sqft
$5,148/moest. monthly cost
$205,920/yrincome needed

About This Home

There are homes that simply check the boxes, and then there are homes that leave a lasting impression. This extraordinary custom-built estate is one of those rare properties where exceptional craftsmanship, timeless design, and modern updates come together to create something truly special. Situated on approximately 9 beautifully cleared acres, this stunning 3,207-square-foot home offers 4 bedrooms, 3 full baths, 1 half bath, an oversized 3-car garage, and a luxurious main-level primary suite designed for comfort and privacy. A standout feature is the expansive private in-law suite above the garage, complete with its own full bathroom, dedicated office, and generous living space. Whether used for extended family, guests, a home business, or a private retreat, the possibilities are endless. Step inside and you’ll immediately appreciate the attention to detail. Soaring vaulted ceilings create an incredible sense of space, while elegant columns, rolled wall corners, and custom brickwork with handcrafted crow’s-foot detailing showcase the quality and character found throughout the home. The impressive hearth room serves as the heart of the home, offering a warm and inviting gathering space with ceilings high enough to accommodate a 12-foot Christmas tree with room to spare. Meticulously maintained and thoughtfully updated, this home is truly move-in ready with fresh interior paint, new carpet, a brand-new deck, new refrigerator, and additional recent improvements that allow you to simply unpack and enjoy. Outside, the level acreage offers endless opportunities for recreation, entertaining, animals, or simply enjoying the peaceful Kentucky countryside. For those dreaming of an even larger estate, there is the option to purchase up to approximately 12 acres, including a beautiful fully stocked lake, creating an exceptional property rarely found on today’s market. From its remarkable craftsmanship and flexible floor plan to its modern updates and breathtaking setting, this is far more than a house—it’s a place to build a lifetime of memories. Properties of this caliber rarely become available. Schedule your private showing today.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Crawl Space
  • Roof: Composition,Dimensional
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Refrigerator,Electric Water Heater

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: Dining Area,Living Rm/Dining

Features

  • Other,Vaulted Ceiling(s)
  • Flooring: Carpet,Hardwood,Tile
  • Fireplace features: Fireplace
  • Fireplace: Yes
  • Attic: Access Only
  • Finished area below ground: 0
  • Finished area above ground: 3,206

Heating & Cooling

  • Heating features: Forced Air,Geothermal
  • Cooling features: Electric

Interior Area

  • Total structure area: 3,206
  • Total interior livable area: 3,206 sqft

Property

Details

  • Parcel number: 4324

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Exterior features: Other

Lot

  • Lot size: 9 Acres
  • Features: Rolling Slope
  • Lot size dimensions: 9 Acres

Parking

  • Total spaces: 3
  • Parking features: Attached,Gravel
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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

  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $3,868$46,416
Home Insurance *$512$6,144
Property Taxes $515$6,180
Electricity $253$3,038
Total$5,148$61,776
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$176,502/yr
40% on housing$154,440/yr
45% on housing$137,280/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.1%
5.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$239This listing

vs Other Active Listings

Avg $/sqft

ZIP 42376$133
Ohio County$159

vs Homes Sold Last Month

Median $/sqft

ZIP 42376$164
Ohio County$144

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
2026-08-06Price change$734,900
2026-07-28Listed for sale$765,000

For Sale by Agent

AgentNicholas Goss
BrokerageL. Steve Castlen, REALTORS®

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