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1020 Yates Chapel Rd, Cecilia, KY, 42724

3beds
2baths
2,610sqft
$644,900
$247price/sqft
$4,415/moest. monthly cost
$176,600/yrincome needed

About This Home

Escape to your private sanctuary at 1020 Yates Chapel Rd, in Cecilia Ky. This property is a rare find, offering an abundance of wildlifeand stunning panoramic views from its highest point. Whether you're an avid hiker, hunter, or simply crave the tranquility of nature, the45.3 acres provide endless opportunities for outdoor enjoyment. The grounds are further enhanced by an 840 sq ft equipment storageshed and multiple outbuildings, providing ample space for all your needs. Adding to its value, the property also includes a substantialamount of marketable timber offering potential investment income. At the heart of this retreat lies a meticulously maintained, custom-built 2610 square foot home featuring an inviting open floor plan. This three bedroom two and a half bathroom home features spaciousvaulted and exposed beam ceilings. The living, dining, and kitchen areas are all thoughtfully joined, creating a spacious and welcomingatmosphere. A gas fireplace and stove provide peace of mind during any power outages, ensuring comfort year-round. The primarysuite is a true oasis, offering a double vanity, a walk-in shower, and a jetted tub for ultimate relaxation. Step out onto the three-sidedporch (COVERED FRONT AND REAR PORCHES) through double bay doors and savor panoramic views of the charming ruralcommunity of Cecilia. For the hobbyist or professional, an attached, heated and cooled concrete floor workshop provides hot and coldwater supply, making it an ideal space for any project. The finished basement expands your living area with a large entertaining room,complete with a half bath and a utility sink, perfect for gatherings or a dedicated recreation space. The oversized TWO car garage withautomatic overhead doors is accessible from the basement. This well thought out home includes insulation in all interior walls and hasnever been smoked in. It has also had the original owners since it was built. Despite its secluded feel, this private sanctuary is just 13miles from the rapidly growing city of Elizabethtown, providing easy access to amenities, dining, and employment opportunities. Withmeticulous maintenance records available for your review, this home truly offers a turnkey solution for those seeking an idyllic countrylifestyle with all the modern comforts. Don't miss this opportunity to own a piece of Kentucky's natural beauty.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10
6/10
6/10

Construction

Condition

  • Property condition: New Construction
  • Year built: 1997

Materials

  • Foundation: Concrete Perimeter
  • Roof: Dimensional,Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Residential Farm

Interior

Appliances

  • Appliances included: Cooktop,Gas Range,Range Hood,Refrigerator,Electric Water Heater
  • Laundry features: None

Basement

  • Area: 1624

Basement

  • Has basement: Yes
  • Basement: Finished-Partial,Full,Garage Entrance,Exterior Entry,Walk-Up Access

Bathroom

  • Features: Double Vanity,Separate Shower,Tub/Shower Combo

Bedroom2

  • Level: Main
  • Area: 155.5556

Bedroom3

  • Level: Main
  • Area: 133.875

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Cathedral Ceiling(s),Ceiling Fan(s),Closet Light(s),Walls (Dry Wall),Walls (Paneling),Walls (Shiplap),Eat-in Kitchen,Living/Dining Combo
  • Door features: Insulated Doors
  • Window features: Tilt,Vinyl Frame,Blinds,Drapes,Shades
  • Flooring: Carpet,Vinyl
  • Fireplace features: Propane
  • Fireplace: Yes
  • Attic: Storage

Heating & Cooling

  • Heating features: Furnace,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,610
  • Total interior livable area: 2,610 sqft

Kitchen

  • Level: Main
  • Area: 308

Living Room

  • Level: Main
  • Area: 308

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main
  • Area: 238

Property

Accessibility

  • Accessibility features: 1st Floor Bathroom,Walk in Shower

Details

  • Parcel number: 0850000005

Features

  • Patio & porch: Covered Front Porch,Porch
  • Exterior features: Mature Trees,Trees
  • Has spa: Yes
  • Spa features: Bath
  • Fencing: Fenced,Rail
  • Waterfront features: Pond(s)

Lot

  • Lot size: 45.30 Acres
  • Features: Wooded

Parking

  • Total spaces: 2
  • Parking features: Attached,Auto Door Opener,Basement,Multiple Garages
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

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

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 $3,260$39,120
Home Insurance *$386$4,632
Property Taxes $563$6,756
Electricity $206$2,473
Total$4,415$52,980
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$151,371/yr
40% on housing$132,450/yr
45% on housing$117,733/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: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$247This listing

vs Other Active Listings

Avg $/sqft

ZIP 42724$133
Hardin County$140

vs Homes Sold Last Month

Median $/sqft

ZIP 42724$158
Hardin County$149

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
2026-05-06Listed for sale$644,900
2026-05-01Listing removed$659,900
2026-01-05Price change$659,900
2025-10-27Price change$669,000
2025-10-23Listed for sale$670,000
2025-10-22Listing removed$670,000
2025-09-03Price change$670,000
2025-07-19Listed for sale$685,000

For Sale by Agent

AgentJason Jarstfer
BrokerageCentury 21 BLUEGRASS REALTY PROS, INC

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