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108 Mourning Dove Dr, Warsaw, KY, 41095

4beds
3baths
2,400sqft
$389,999
$162price/sqft
$2,682/moest. monthly cost
$107,280/yrincome needed

About This Home

MOVE IN READY! USDA ELIGBLE! ZERO MONEY DOWN! Talk to your lender to see if you qualify! NEW PHOTOS! 1 exterior photo virtually staged. LAST LOT IN BLUE HERON! COME AND GET IT! BRAND NEW home built by Elite Building Group where you receive QUALITY! RANCH WITH BASEMENT. 4 BEDROOMS! 3 FULL BATHROOMS! FULL FINISHED BASEMENT! FINISHED 2 CAR GARAGE. LVP throughout both upstairs and down! Hall closet, bedroom and full bathroom off the main entryway. Open floorplan for main level with vaulted ceilings where you have your living room, dining area, and kitchen. Kitchen will be completed with white, wood cabinets, granite countertops, kitchen island, and pantry. 12X12 deck off the dining room. Master bedroom is off the living room and has an adjoining bath and walk in closet. The master bathroom offers a double vanity (granite) and a custom tiled shower. In the basement you will find the 2 other bedrooms, 3rd full bathroom, laundry room, and family room. SO MUCH SPACE! **all bathroom vanities are granite** Expected to be completed mid June. 1 yr builder warranty! Buyer responsible for kitchen appliances.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Poured Concrete
  • Roof: Shingle
  • Construction materials: Stone,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: See Remarks
  • Laundry features: In Basement,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom2

  • Features: Tub With Shower,Full Finished Bath,Luxury Vinyl Flooring
  • Level: First
  • Area: 25
  • Dimensions: 5 x 5

Bathroom3

  • Features: Full Finished Bath,Tub With Shower,Luxury Vinyl Flooring
  • Level: Basement
  • Area: 55
  • Dimensions: 11 x 5

Bedroom2

  • Features: Ceiling Fan(s),Luxury Vinyl Flooring
  • Level: First
  • Area: 140
  • Dimensions: 14 x 10

Bedroom3

  • Features: Luxury Vinyl Flooring,Ceiling Fan(s)
  • Level: Basement
  • Area: 168
  • Dimensions: 14 x 12

Bedroom4

  • Features: Ceiling Fan(s),Luxury Vinyl Flooring
  • Level: Basement
  • Area: 210
  • Dimensions: 15 x 14

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Luxury Vinyl Flooring,Walk-Out Access
  • Level: First
  • Area: 110
  • Dimensions: 11 x 10

Family Room

  • Features: Luxury Vinyl Flooring
  • Level: Basement
  • Area: 418
  • Dimensions: 22 x 19

Features

  • Kitchen Island,Walk-In Closet(s),Pantry,Open Floorplan,Granite Counters,Eat-in Kitchen,Double Vanity,Ceiling Fan(s),Natural Woodwork,Recessed Lighting,Vaulted Ceiling(s)
  • Door features: Multi Panel Doors
  • Window features: Vinyl Frames

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,400
  • Total interior livable area: 2,400 sqft

Kitchen

  • Features: Recessed Lighting,Luxury Vinyl Flooring,Wood Cabinets,Kitchen Island,Pantry
  • Level: First
  • Area: 120
  • Dimensions: 10 x 12

Laundry

  • Features: Luxury Vinyl Flooring
  • Level: Basement
  • Area: 30
  • Dimensions: 6 x 5

Living Room

  • Features: Ceiling Fan(s),Luxury Vinyl Flooring
  • Level: First
  • Area: 306
  • Dimensions: 17 x 18

Primary Bath

  • Features: Double Vanity,Shower,Luxury Vinyl Flooring
  • Level: First
  • Area: 30
  • Dimensions: 6 x 5

Primary Bedroom

  • Features: Walk-In Closet(s),Bath Adjoins,Luxury Vinyl Flooring,Ceiling Fan(s)
  • Level: First
  • Area: 182
  • Dimensions: 13 x 14

Property

Details

  • Parcel number: 13BHS05
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 0.52 Acres
  • Features: Cleared,Level
  • Lot size dimensions: 22,825

Parking

  • Total spaces: 2
  • Parking features: Attached,Driveway,Garage,Garage Faces Front,On Street
  • 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

  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $1,972$23,664
Home Insurance *$178$2,136
Property Taxes $343$4,116
Electricity $189$2,274
Total$2,682$32,184
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,954/yr
40% on housing$80,460/yr
45% on housing$71,520/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 4.7%
4.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$162This listing

vs Other Active Listings

Avg $/sqft

ZIP 41095$91
Gallatin County$213

vs Homes Sold Last Month

Median $/sqft

ZIP 41095$208
Gallatin County$164

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
2026-08-18Price change$359,999
2026-08-11Price change$369,999
2026-08-06Price change$379,999
2026-07-30Price change$389,999
2026-07-07Price change$399,995
2026-05-14Listed for sale$399,999
2025-05-13Sold$26,000

New Construction

AgentBlaire Hancock
BrokerageSimple Fee Realty

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