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335 Pennington Ln, Owenton, KY, 40359

2beds
1baths
0sqft
$165,000
--price/sqft
$1,219/moest. monthly cost
$48,760/yrincome needed

About This Home

Rustic Retreat on 12.97 Acres! Escape to the country with this 2-bedroom, 1-bath rustic home nestled on nearly 13 acres. The property offers a perfect mix of cleared and wooded land—ideal for gardening, hiking, and hunting. Enjoy peaceful mornings in the greenhouse or explore the rolling slopes that make this property truly unique. Whether you're looking for a private getaway, a hobby farm, or a nature lover's paradise, this serene setting has it all. Don't miss your chance to own this slice of countryside tranquility!

Getting Around

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

Schools

7/10
3/10
4/10
Owen County High SchoolGrades 9-126.7 mi

Construction

Condition

  • Property condition: Existing Structure

Materials

  • Foundation: Other,Wood
  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Farm,Residential,Cabin

Interior

Appliances

  • Appliances included: Electric Oven,Dryer,Microwave,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,Laundry Room,Washer Hookup

Bedroom2

  • Features: See Remarks
  • Level: First
  • Area: 0
  • Dimensions: 0 x 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Window features: Double Hung

Heating & Cooling

  • Heating features: Forced Air,Electric
  • Cooling features: Wall Unit(s)

Kitchen

  • Features: Vinyl Flooring
  • Level: First
  • Area: 0
  • Dimensions: 0 x 0

Living Room

  • Features: Vinyl Flooring
  • Level: First
  • Area: 0
  • Dimensions: 0 x 0

Primary Bath

  • Features: Vinyl Flooring
  • Level: First
  • Area: 0
  • Dimensions: 0 x 0

Primary Bedroom

  • Features: Vinyl Flooring
  • Level: First
  • Area: 0
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 0640000017.00
  • Zoning description: See Remarks

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Porch
  • Has view: Yes
  • View description: Trees/Woods,Valley
  • Residential vegetation: Brush,Cedar Trees,Heavily Wooded,Hickory Trees,Oak Trees,Partially Wooded

Lot

  • Lot size: 12.90 Acres
  • Features: Cleared,Flag Lot,Pasture,Rolling Slope,Wooded
  • Lot size dimensions: 12.9 acres

Parking

  • Parking features: Driveway
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $834$10,008
Home Insurance *$143$1,716
Property Taxes $88$1,056
Electricity $154$1,850
Total$1,219$14,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,794/yr
40% on housing$36,570/yr
45% on housing$32,506/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -3.9%
-3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 40359$143
Owen County$130

vs Homes Sold Last Month

Median $/sqft

ZIP 40359
Owen County$131

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)

No zestimate history available

Price History

DateEventPrice
2025-12-18Price change$179,900
2025-10-24Price change$184,900
2025-09-16Listed for sale$195,000

For Sale by Agent

AgentBentley Bush
BrokerageBush Realty

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