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227 Summers Cabin Ln, Shepherdsville, KY, 40165

4beds
3baths
2,963sqft
$514,900
$174price/sqft
$3,601/moest. monthly cost
$144,040/yrincome needed

About This Home

Built in 2018 and originally serving as the model home for Fischer Homes, this 2-story home located in desirable Summers Cabin at Oakwood subdivision has been lovingly maintained by its first owner, who purchased it in 2025. Boasting 2,963 sf of thoughtfully planned living space with 4 bedrooms and 2.5 baths. The main level features a private study with double doors just off the entry perfect for working from home. Enjoy a large living room that flows seamlessly into the kitchen, along with a separate dining room idea for gatherings and family meals. The open concept kitchen shines with stainless steel appliances, quartz countertops, a spacious island and pantry. Convenient cubby space for backpacks, shoes, or everyday organization. Custom blinds installed throughout. The upstairs layout includes a huge versatile flex space. The primary suite is a true retreat with a spa-like private bath complete with a soaking tub, walk-in shower, double vanity and generous walk-in closet. Enjoy the luxury of space - each of the four bedrooms features its own walk-in closet, a standout feature that adds both convenience and value. The unfinished walkout basement offers endless possibilities for future expansion or storage. Outside, enjoy a covered front porch, the deck off the back porch, and a fence added in the backyard for extra privacy, along with beautifully landscaped grounds. Better than new and meticulously maintained, this home offers the upgrades and space today's buyers are looking for.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

4/10
Freedom Elementary SchoolGrades PK-52.1 mi
2/10
Zoneton Middle SchoolGrades 6-80.6 mi
3/10
North Bullitt High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 2018

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: Walkout Unfinished

Bedroom

  • Level: Second
  • Area: 156
  • Dimensions: 13.00 x 12.00

Bedroom

  • Level: Second
  • Area: 156
  • Dimensions: 13.00 x 12.00

Bedroom

  • Level: Second
  • Area: 168
  • Dimensions: 14.00 x 12.00

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Area: 143
  • Dimensions: 13.00 x 11.00

Family Room

  • Level: First
  • Area: 340
  • Dimensions: 20.00 x 17.00

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,963

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 2,963
  • Total interior livable area: 2,963 sqft

Kitchen

  • Level: First
  • Area: 130
  • Dimensions: 13.00 x 10.00

Library

  • Level: First
  • Area: 121
  • Dimensions: 11.00 x 11.00

Loft

  • Level: Second
  • Area: 289
  • Dimensions: 17.00 x 17.00

Primary Bedroom

  • Level: Second
  • Area: 324
  • Dimensions: 18.00 x 18.00

Property

Details

  • Parcel number: 052SE015003

Features

  • Stories: 2
  • Patio & porch: Patio,Porch
  • Fencing: Wood

Lot

  • Lot size: 0.25 Acres

Parking

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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $2,603$31,236
Home Insurance *$279$3,348
Property Taxes $486$5,832
Electricity $233$2,807
Total$3,601$43,212
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,462/yr
40% on housing$108,030/yr
45% on housing$96,026/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: 11.4%
11.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$174This listing

vs Other Active Listings

Avg $/sqft

ZIP 40165$168
Bullitt County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 40165$178
Bullitt County$177

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
2026-04-27Price change$514,900
2026-03-20Listed for sale$529,900
2025-03-24Sold$528,490
2025-02-25Pending sale$528,490
2025-02-06Price change$528,490
2025-01-02Price change$538,490
2024-11-27Price change$538,990
2024-11-15Price change$539,990
2024-11-01Price change$547,990
2024-10-16Listed for sale$549,990

For Sale by Agent

AgentRhonda S Spencer
BrokerageSchuler Bauer Real Estate Services ERA Powered

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