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149 Virginia Ln, Pine Knot, KY, 42635

4beds
3baths
2,503sqft
$499,900
$200price/sqft
$3,374/moest. monthly cost
$134,960/yrincome needed

About This Home

Imagine coming home to this every day! Welcome to 149 Virginia Lane in Pine Knot, Kentucky, where acreage, privacy, and everyday convenience come together. Situated on 4.04 picturesque acres, this property offers the peaceful feel of country living while remaining less than five minutes from Pine Knot schools and convenient to dining, healthcare, shopping, and other everyday necessities. Inside, the home features a functional and flexible floor plan with three bedrooms, a dedicated office, and two full bathrooms on the main level, including the primary suite. With the main living areas and primary bedroom all located downstairs, the home offers the ease and convenience of main-level living. Upstairs, two spacious bonus rooms and an additional full bathroom provide valuable flex space for guest accommodations, a second home office, playroom, hobby room, media room, or additional storage. Outside, the custom covered patio extends the home's living and entertaining space, creating a relaxing place to gather, unwind, and enjoy the surrounding acreage. The expansive yard offers room for outdoor activities, gardening, pets, a future pool, or simply enjoying the privacy and slower pace that come with having more than four acres of your own. Homes offering this combination of acreage, privacy, flexible living space, a primary suite on the main level, and proximity to town do not become available often. Schedule your private showing and experience everything 149 Virginia Lane has to offer. Buyer to verify all property lines, acreage, square footage, school information, and other property details.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

--
Pine Knot PrimaryGrades PK-20.4 mi
3/10
3/10

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Block
  • Roof: Metal,Shingle
  • Construction materials: Stone,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Oven
  • Laundry features: Main Level

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Entrance Foyer,Eat-in Kitchen,Walk-In Closet(s),Ceiling Fan(s)
  • Flooring: Carpet,Ceramic Tile,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,503

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,503
  • Total interior livable area: 2,503 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 1400000043.09

Features

  • Levels: Two
  • Exterior features: Awning(s)
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 4.04 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Garage Faces Side
  • 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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Lightning
Strong Wind
Tornado
Hail
Heat Wave
Landslide
Wildfire

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 $2,527$30,324
Home Insurance *$330$3,960
Property Taxes $320$3,840
Electricity $197$2,372
Total$3,374$40,488
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,680/yr
40% on housing$101,220/yr
45% on housing$89,973/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: 13.6%
13.6%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -4.9%
-4.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 42635$109
McCreary County$133

vs Homes Sold Last Month

Median $/sqft

ZIP 42635
McCreary County$177

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
2026-07-22Listed for sale$499,900
2022-04-11Sold$375,000
2022-02-04Contingent$429,999
2021-10-28Listed for sale$429,999

For Sale by Agent

AgentReagan Kidd - Buttram
BrokerageKeller Williams Bluegrass Realty - Lake Cumberland

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