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196 Hocker St, Beaver Dam, KY, 42320

3beds
3baths
1,988sqft
$475,199
$239price/sqft
$3,130/moest. monthly cost
$125,200/yrincome needed

About This Home

PRICE REDUCTION! This 1,988sf 3bd, 2 1/2 bath new construction home is on a dead-end street located near the intersection of the Western Kentucky Parkway and I-165 on .797 acres, just outside of beaver dam city limits, not subject to city property taxes. There is a 555 sq ft, 2 car garage attached to the house. In addition to the finished square footage, there is also 421sf above the garage that already has the utilities roughed in that could be used as-is for easily accessible storage or finished out for additional living room or bedroom and another bathroom. As you come in through the garage you will come to the laundry room with a mud sink and cabinets for storage, with ample space for a drop zone. The open living room features a 6:12 pitch vaulted ceiling with stone fireplace and ventless log set with remote control. Off the living room there are two French doors providing loads of natural light and access to a large rear covered deck. The kitchen features painted wood cabinets (not veneer) and island with granite countertops and full granite backsplash. The primary bedroom features a 6:12 pitch vaulted ceiling with a large triple window and a french door leading to the back covered deck. There is an en-suite bathroom with dual sink vanity, a toilet closet, and custom tile shower with bench. Before the bathroom are his and hers separate walk-in closets. There is a half bath in the hallway from the garage. The Jack&Jill bedrooms are located off the main foyer with a shared bathroom. Also off the main foyer is a vaulted flex room that could be used as a home office or formal dining room. This house has front and rear porches for plenty of additional outdoor living space. The roof is three dimensional architectural shingles, and the siding is vertical board and batten vinyl with stone accents. Electrical service is provided by WRECC with a 200amp service panel. Water is provided by OCWD. The HVAC is a dual fuel heat pump with backup propane furnace. There is a Miles LP propane tank onsite with around $1,000 worth of propane left that will go to the buyer. The flooring throughout is high-end, thick and durable LVP. The walls are 2X6 construction with batting insulation, with blown in insulation in the attic, and a spray foam insulated conditioned crawlspace.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

8/10
7/10
7/10
Ohio County High SchoolGrades 9-124.7 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Roof: Asphalt
  • Construction materials: Frame,Stone Siding,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Microwave,Oven

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Flooring: Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Walk-up
  • Finished area above ground: 1,988

Heating & Cooling

  • Heating features: Electric,Propane
  • Cooling features: Central

Interior Area

  • Total structure area: 1,988
  • Total interior livable area: 1,988 sqft

Kitchen

  • Features: Open,Granite Counters

Property

Details

  • Lease amount: 0

Features

  • Patio & porch: Patio,Deck
  • Frontage length: 0

Lot

  • Lot size: 0.80 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

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

How This Home’s Risks Compare

Ice Storm
Strong Wind
Cold Wave
Hail
Inland Flooding
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 $2,402$28,824
Home Insurance *$343$4,116
Property Taxes $229$2,748
Electricity $156$1,883
Total$3,130$37,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,314/yr
40% on housing$93,900/yr
45% on housing$83,466/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.1%
5.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$239This listing

vs Other Active Listings

Avg $/sqft

ZIP 42320$114
Ohio County$159

vs Homes Sold Last Month

Median $/sqft

ZIP 42320—
Ohio County$144

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
2026-03-18Price change$479,999
2026-02-04Price change$483,848
2025-11-21Listed for sale$488,736

New Construction

AgentDerek Eisenberg
BrokerageContinental Real Estate Group, Inc.

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