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251 Pond Circle Rd, Owingsville, KY, 40360

2beds
0baths
1,800sqft
$349,900
$194price/sqft
$2,358/moest. monthly cost
$94,320/yrincome needed

About This Home

Welcome to your dream retreat! This nearly new, custom-built barndominium-style residence offers a lovely space with charm. Nestled on approximately 26 acres of picturesque land, you'll fall in love with these million-dollar views that stretch across the horizon! Truly a setting you have to see to believe. Built with exceptional craftsmanship and designed for quaint living, this home features an open-concept layout, quality finishes, and thoughtful design throughout. Whether you're relaxing on the porch or entertaining guests, every space is designed to take in the breathtaking natural beauty around you. For the equestrian or hobby farmer, a large barn with the potential for up to 9 stalls provides endless possibilities—whether for livestock, storage, or future expansion. The land offers a mix of open fields and gently rolling hills, perfect for riding, recreation, or simply enjoying the privacy and peace of your own slice of countryside. Located in a prime and highly desirable area, this property offers the best of both worlds—serene seclusion and convenience. Check this one out today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

4/10
6/10
6/10
Bath County High SchoolGrades 9-124.8 mi

Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Farm

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2

Features

  • Finished area above ground: 1,800

Interior Area

  • Total structure area: 1,800
  • Total interior livable area: 1,800 sqft

Property

Details

  • Parcel number: 251 Pond Circle Rd ID
  • Horse amenities: Barn

Features

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

Lot

  • Lot size: 26 Acres
  • Lot size dimensions: irregular

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

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Winter Weather
Cold Wave
Hail
Heat Wave
Inland Flooding

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 $1,769$21,228
Home Insurance *$272$3,264
Property Taxes $163$1,956
Electricity $154$1,850
Total$2,358$28,296
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,845/yr
40% on housing$70,740/yr
45% on housing$62,880/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$194This listing

vs Other Active Listings

Avg $/sqft

ZIP 40360$137
Bath County$146

vs Homes Sold Last Month

Median $/sqft

ZIP 40360$134
Bath County$143

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
2026-04-11Price change$349,900
2026-03-30Price change$359,900
2025-09-03Listed for sale$369,900
2025-09-03Listing removed$369,900
2025-06-11Price change$369,900
2025-05-19Price change$385,000
2025-04-22Price change$395,000
2025-04-11Listed for sale$399,000

For Sale by Agent

AgentWhitney Thorpe
BrokerageSandy Stuart Realty

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