66 Searcy Ln, White Mills, KY, 42788
About This Home
Welcome to your ideal blend of comfort and outdoor living! This beautifully remodeled 3-bedroom, 2-bath home sits on a generous 0.425-acre lot with no restrictions, giving you the freedom to truly make it your own. Inside, you’ll find a completely updated interior featuring modern finishes, refreshed fixtures, and a layout designed for both everyday living and entertaining. The three bedrooms and two full bathrooms provide plenty of room for family, guests, or even a home office setup. Location is where this property truly shines. Just 1/2 mile from the Historic White Mills Bridge and Dam, and 1 mile from the kayak launch, you’ll have quick access to peaceful paddling, fishing, and outdoor adventure. During the fall and winter months, you can see the river right from your property! Whether you’re looking for a full-time residence, a weekend getaway, or a potential short-term rental opportunity, this property offers flexibility thanks to its unrestricted status. With its combination of modern updates, natural surroundings, and prime proximity to the Nolin River, this home is a rare find. An additional adjoining .5 acres available. Don’t miss your chance to own a move-in-ready home in a location that brings the outdoors right to your doorstep!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: New Construction
- Year built: 1998
Materials
- Foundation: Pillar/Post/Pier
- Roof: Metal
- Construction materials: Metal Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Range/Oven,Water Softener,Electric Water Heater
- Laundry features: In Hall
Basement
- Basement: None
Bathroom
- Features: Tub/Shower Combo
Bedroom2
- Level: Main
Bedroom3
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 3
Features
- None,Walls (Log),Walls (Paneling),Walls (See Remarks),Kitchen/Dining Combo
- Window features: Replacement Windows
- Flooring: Hardwood,Laminate,Vinyl
- Fireplace features: Wood Burning Stove
- Fireplace: Yes
Heating & Cooling
- Heating features: Heat Stove,Wood
- Cooling features: Ductless,Window Unit(s)
Interior Area
- Total structure area: 1,216
- Total interior livable area: 1,216 sqft
Kitchen
- Features: Pantry
- Level: Main
Living Room
- Level: Main
Master Bathroom
- Level: Main
Master Bedroom
- Level: Main
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 1080000052
Features
- Patio & porch: Covered Front Porch
- Exterior features: Landscaping
- Fencing: None
- Waterfront features: River
- Waterbody name: None
Lot
- Lot size: 0.42 Acres
- Features: County
Parking
- Parking features: None
- 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
- Cold Wave
- Ice Storm
- Lightning
- Strong Wind
- Winter Weather
- Hail
- Heat Wave
- Inland Flooding
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters Across Kentucky Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $758 | $9,096 |
| Home Insurance * | $139 | $1,668 |
| Property Taxes | $55 | $660 |
| Electricity | $154 | $1,850 |
| Total | $1,106 | $13,272 |
Income You'd Need if You Spent...
Kentucky FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-27 | Listed for sale | $159,900 |
| 2024-03-02 | Listing removed | $158,000 |
| 2023-12-02 | Listed for sale | $158,000 |
| 2023-10-26 | Listing removed | -- |
| 2023-10-18 | Price change | $158,000 |
| 2023-09-02 | Price change | $175,000 |
| 2023-04-19 | Listed for sale | $155,000 |
| 2023-02-08 | Listing removed | -- |
| 2022-11-29 | Listed for sale | $160,000 |
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