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25 Banner Fork Rd, Wallins Creek, KY, 40873

4beds
2baths
2,128sqft
$199,000
$94price/sqft
$1,614/moest. monthly cost
$64,560/yrincome needed

About This Home

Beautiful manufactured home built in 2017 nestled in the mountains of Harlan County. The spacious home boasts a little over 2100 sq ft and 4 bedrooms and 2 full baths. The home also has a detached 3 car garage and the driveway that will provide plenty of parking, fruit trees, a front porch, back deck, and the property is also bordered by a creek. Utilities are on, this home is moved in ready. Priced so that most of furniture could possibly convey with sale of home as well.

Getting Around

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

Schools

4/10
Wallins Elementary SchoolGrades PK-83.3 mi
4/10
Harlan County High SchoolGrades 9-129.9 mi

Construction

Condition

  • Year built: 2017

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Microwave,Refrigerator,Washer,Cooktop,Oven
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Basement: Crawl Space

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bathroom3

  • Level: First

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 2,128

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,128
  • Total interior livable area: 2,128 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 0470000003.05

Features

  • Levels: One
  • Has view: Yes
  • View description: Rural,Mountain(s)

Lot

  • Lot size: 0.96 Acres
  • Features: Other

Parking

  • Total spaces: 3
  • Parking features: Detached Garage,Driveway
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Winter Weather
Landslide
Tornado
Wildfire

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 $1,006$12,072
Home Insurance *$323$3,876
Property Taxes $117$1,404
Electricity $168$2,016
Total$1,614$19,368
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,337/yr
40% on housing$48,420/yr
45% on housing$43,040/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: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$94This listing

vs Other Active Listings

Avg $/sqft

ZIP 40873$94
Harlan County$78

vs Homes Sold Last Month

Median $/sqft

ZIP 40873
Harlan County$61

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
2025-10-21Listed for sale$220,000

For Sale by Agent

AgentBlake Ramey
BrokerageCentury 21 Virginia Wilder Real Estate

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