181 Saddle Creek Dr, Paducah, KY, 42001
About This Home
Like new and beautifully appointed, this 2024 built home offers luxury finishes, flexible living space & a desirable interior lot setting in The Paddock. The open-concept floor plan features vaulted ceilings, a dramatic floor-to-ceiling stone fireplace, and a stunning kitchen with quartz countertops, tile backsplash, abundant cabinetry, a large walk-in pantry and an oversized utility room with cabinets and a sink. A private office with French doors and a closet could serve as a fourth bedroom. The main-level primary suite includes a spa-inspired bath with tile shower, soaking tub, quartz vanities, and spacious walk-in closets. Upstairs offers two bedrooms, two baths, and a bonus room with closet that also could serve as a bedroom. Potential for 5 bedrooms if needed. Additional features include a covered front and rear porch, tankless water heater, gas heat, encapsulated crawlspace with dehumidifier and sump pump, floored attic storage, concrete drive and sidewalks as well as an attached two-car garage.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2024
Materials
- Foundation: Block
- Roof: Dimensional Style
- Construction materials: Masonite
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Refrigerator
- Laundry features: Washer Hookup
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Entrance Foyer,Eat-in Kitchen,Ceiling Fan(s)
- Number of fireplaces: 1
- Fireplace features: Living Room,Masonry
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 3,044
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 3,044
- Total interior livable area: 3,044 sqft
Kitchen
- Level: First
Master Bedroom
- Level: First
Property
Details
- Parcel number: 0900000054.27
- Other equipment: Dehumidifier
Features
- Levels: Two
- Fencing: None
- Has view: Yes
- View description: Neighborhood
Lot
- Lot size: 0.49 Acres
- Features: Landscaped
Parking
- Total spaces: 2
- Parking features: Attached Garage,Driveway,Off Street,Garage Faces Front
- 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
- Cold Wave
- Earthquake
- Heat Wave
- Ice Storm
- Lightning
- Strong Wind
- Tornado
- Winter Weather
- Drought
- Hail
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 | $3,260 | $39,120 |
| Home Insurance * | $683 | $8,196 |
| Property Taxes | $424 | $5,088 |
| Electricity | $240 | $2,884 |
| Total | $4,607 | $55,284 |
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 |
|---|---|---|
| 2026-08-05 | Contingent | $644,900 |
| 2026-07-17 | Price change | $644,900 |
| 2026-06-06 | Listed for sale | $649,900 |
| 2025-02-11 | Sold | $680,000 |
| 2024-11-21 | Listed for sale | $719,585 |
For Sale by Agent
View on Zillow