56 Tim Morgan Rd, Whitley City, KY, 42653
About This Home
Nestled in the Whitley City area of McCreary County, Kentucky, this beautiful property offers approximately 8 acres of mostly wooded land, perfect for those who appreciate privacy and the outdoors. The setting features a spacious yard with plenty of room for gardening, a scenic area for a pond, and wooded acreage ideal for creating walking trails or enjoying nature right at your doorstep. The home offers comfortable living with three bedrooms and two full baths, along with a well-designed layout that includes a dining room, kitchen, and a cozy living room highlighted by a fireplace. A dedicated laundry room and convenient access to an attached two-car garage add to the home's functionality. The unfinished basement provides excellent potential for additional living space, storage, or a recreational area—and even includes a pool table for immediate enjoyment. Step outside to a wooden deck just off the kitchen, perfect for grilling, relaxing, or entertaining while overlooking the natural surroundings. The property also includes a detached carport and multiple storage sheds, offering plenty of space for tools, equipment, or outdoor gear. This home has received a new roof in 2020, garage door in 2020 and a HVAC system in 2022. Properties like this—with acreage, privacy, and versatile features—are hard to find. Don't miss your opportunity to make this one yours. (Seller will be retaining the yard ornaments and decorative rocks)
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 1994
Materials
- Foundation: Block
- Roof: Metal
- Construction materials: Brick Veneer,Other,Wood Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Refrigerator
- Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup
Basement
- Has basement: Yes
- Basement: Concrete,Unfinished,Walk-Out Access,Walk-Up Access
Bathroom1
- Level: First
Bathroom2
- Level: First
Bedroom2
- Level: First
Bedroom3
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Flooring: Carpet,Other,Vinyl
- Number of fireplaces: 1
- Fireplace features: Living Room
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,700
Heating & Cooling
- Heating features: Electric
- Cooling features: Electric
Interior Area
- Total structure area: 1,700
- Total interior livable area: 1,700 sqft
Kitchen
- Level: First
Living Room
- Level: First
Master Bedroom
- Level: First
Master Bedroom
- Level: First
Utility Room
- Level: First
Property
Details
- Parcel number: 1041000032.00
Features
- Levels: One
Lot
- Lot size: 8 Acres
- Features: Wooded,Many Trees
Parking
- Total spaces: 4
- Parking features: Attached Garage,Detached Carport
- 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
- Winter Weather
- Cold Wave
- Lightning
- Strong Wind
- Tornado
- Hail
- Heat Wave
- Landslide
- Wildfire
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 | $1,364 | $16,368 |
| Home Insurance * | $172 | $2,064 |
| Property Taxes | $76 | $912 |
| Electricity | $154 | $1,850 |
| Total | $1,766 | $21,192 |
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 |
|---|---|---|
| 2026-05-07 | Listed for sale | $279,999 |
For Sale by Agent
View on Zillow