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186 S Lake Bluff Ln, Scottsville, KY, 42164

1beds
1baths
452sqft
$150,000
$332price/sqft
$1,090/moest. monthly cost
$43,600/yrincome needed

About This Home

This is your opportunity to own one of the most unique properties in the Barren River Lake area. This yurt could be used as your personal getaway, a vacation rental, or a year round home. Well equipped with stove, refrigerator, hot water heater, and mini spilt. Septic, plumbing, and electric all have been ran on the property.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

5/10
Allen County Primary CenterGrades PK-310.1 mi
5/10

Construction

Condition

  • Property condition: New Construction
  • Year built: 2023

Materials

  • Roof: Other
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Refrigerator,Tankless Water Heater
  • Laundry features: In Bathroom,Other

Basement

  • Basement: None

Bathroom

  • Features: Separate Shower

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Walls (See Remarks),Living/Dining Combo
  • Window features: Skylight(s)
  • Flooring: Vinyl
  • Fireplace features: None

Heating & Cooling

  • Heating features: Other,Electric
  • Cooling features: Zoned

Interior Area

  • Total structure area: 452
  • Total interior livable area: 452 sqft

Kitchen

  • Features: Bar
  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 63A1456

Features

  • Exterior features: Other
  • Fencing: Privacy,Partial
  • Has view: Yes
  • View description: Lake,Water
  • Has water view: Yes
  • Water view: Lake,Water
  • Waterfront features: Lake,Year Round
  • Waterbody name: Barren River Lake

Lot

  • Lot size: 0.60 Acres
  • Features: County

Parking

  • Parking features: None
  • 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

  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $758$9,096
Home Insurance *$107$1,284
Property Taxes $71$852
Electricity $154$1,850
Total$1,090$13,080
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$37,371/yr
40% on housing$32,700/yr
45% on housing$29,066/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 4.4%
4.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$332This listing

vs Other Active Listings

Avg $/sqft

ZIP 42164$150
Allen County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 42164$170
Allen County$158

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
2025-10-06Listed for sale$150,000

For Sale by Agent

AgentAlecia Lee
BrokerageColdwell Banker Legacy Group

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