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437 Christine Rd, Columbia, KY, 42728

4beds
2baths
1,264sqft
$995,000
$787price/sqft
$6,695/moest. monthly cost
$267,800/yrincome needed

About This Home

Some properties are purchased. Others become part of a family's legacy.Welcome to one of Kentucky's most extraordinary private quarry lake estates. Nestled on approximately 27.15 acres, this remarkable property is centered around a breathtaking 7-acreprivate quarry lake with crystal-clear water, dramatic limestone cliffs, and panoramic views that are nearly impossible to duplicate.Perched atop the limestone bluff overlooking the lake, the custom home was thoughtfully designed to embrace its spectacular surroundings. Built in 2020, the residence offers 2 bedrooms, 2 full baths, plus loft sleeping areas, and an open-concept floor plan that seamlessly connects the living,dining, and kitchen spaces. Expansive windows frame the incredible scenery, while the covered deck and hot tub provide the perfect place to relax and enjoy the peaceful setting.The former rock quarry has been transformed into an exceptional private retreat offering fishing,swimming, kayaking, paddleboarding, boating, and endless opportunities to enjoy the outdoors. A private boat ramp provides convenient access to the lake, while the covered lakeside pavilion creates an inviting space for entertaining family and friends.Trails meander throughout the property, leading to several additional potential building sites overlooking the lake. Whether envisioned as a family compound, private retreat, guest cabins, or future expansion, the possibilities are as remarkable as the setting itself.Whether you're searching for a full-time residence, a luxury weekend getaway, or a recreational retreat unlike any other, this property offers an experience that few places can match. The combination of a deep-water private quarry lake, towering limestone bluffs, breathtaking views, and complete privacy creates an offering that is exceptionally rare in today's market.Properties can be built. Land can be purchased. But opportunities like this are created only overtime and are rarely offered for sale. This is more than a home. It's a property worthy of becoming your family's legacy.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

6/10
5/10
4/10
Adair County High SchoolGrades 9-126.7 mi

Construction

Condition

  • Property condition: New Construction
  • Year built: 2020

Materials

  • Foundation: Block
  • Roof: Dimensional
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Range/Oven,Refrigerator,Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Basement: None

Bathroom

  • Features: Granite Counters

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Features

  • Ceiling Fan(s),Walls (Dry Wall),Living/Dining Combo
  • Door features: Insulated Doors
  • Window features: Vinyl Frame,Window Treatments
  • Flooring: Laminate,Tile
  • Fireplace features: Electric
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,264
  • Total interior livable area: 1,264 sqft

Kitchen

  • Features: Granite Counters

Master Bedroom

  • Level: Main
  • Area: 144

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 089000045.02

Features

  • Levels: One and One Half
  • Patio & porch: Deck
  • Exterior features: Lighting,Gas Grill,Mature Trees,Outdoor Lighting
  • Fencing: Partial,Woven Wire
  • Has view: Yes
  • View description: Lake,Water
  • Has water view: Yes
  • Water view: Lake,Water
  • Waterfront features: Dock,Private Lake,Water Access,Lake,Pond
  • Waterbody name: None

Lot

  • Lot size: 27.15 Acres
  • Features: Trees,Wooded,County,Farm

Parking

  • Parking features: None

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
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather
Earthquake
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 $5,031$60,372
Home Insurance *$989$11,868
Property Taxes $521$6,252
Electricity $154$1,850
Total$6,695$80,340
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$229,542/yr
40% on housing$200,850/yr
45% on housing$178,533/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.2%
2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$787This listing

vs Other Active Listings

Avg $/sqft

ZIP 42728$143
Adair County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 42728
Adair County$118

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
2026-07-31Price change$995,000
2026-06-08Listed for sale$1,200,000
2014-04-25Sold$114,750

For Sale by Agent

AgentTony M Huynh
BrokerageKeller Williams First Choice R

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