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36 Cody Ln, Columbia, KY, 42728

2beds
2baths
1,260sqft
$249,900
$198price/sqft
$1,781/moest. monthly cost
$71,240/yrincome needed

About This Home

Welcome to this beautiful newly built home perfectly situated on a half-acre corner lot in the desirable Chester Acres community. Thoughtfully designed with modern conveniences and comfortable living in mind, this property offers an inviting layout and high-quality finishes throughout. It has 2 bedrooms, 2 full bathrooms and a 1-car garage plus parking for 2 vehicles. Inside, you’ll find an open-concept kitchen and living room featuring elegant recessed lighting, ideal for daily living and entertaining. The basement includes a fully finished bathroom and a partially finished living area, giving you endless possibilities for expansion, storage, or recreation. Step outside and enjoy the charming front porch with beautiful railing, along with a concrete driveway accommodating two vehicles. At the back of the home, the basement provides convenient access to a 1-car garage. A 11' x 11' deck offers the perfect place to relax and enjoy the peaceful surroundings. Additional features include a 1-year home warranty for added peace of mind, and a new sidewalk to be installed soon. Located just one mile from the scenic Holmes Bend Recreational Area and dock, this home offers the perfect blend of comfort, convenience, and outdoor enjoyment.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

6/10
5/10
4/10
Adair County High SchoolGrades 9-127.3 mi

Construction

Condition

  • Year built: 2025

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Laundry Closet

Basement

  • Area: 960

Basement

  • Has basement: Yes
  • Basement: Unfinished,Exterior Entry,Walk-Out Access

Bathroom

  • Features: Tub/Shower Combo

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • None,Walls (Dry Wall),Living/Dining Combo
  • Door features: Insulated Doors
  • Window features: Vinyl Frame
  • Flooring: Laminate
  • Fireplace features: None

Heating & Cooling

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

Interior Area

  • Total structure area: 1,260
  • Total interior livable area: 1,260 sqft

Kitchen

  • Features: Pantry

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: 1st Floor Bathroom,Level Drive

Features

  • Patio & porch: Deck
  • Exterior features: Balcony
  • Fencing: None
  • Has view: Yes
  • View description: No Lake View
  • Water view: No Lake View
  • Waterbody name: Green River

Lot

  • Lot size: 0.50 Acres
  • Features: Wooded,Corner Lot,County

Parking

  • Total spaces: 1
  • Parking features: Attached,Basement
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Hail
Lightning
Tornado

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 $1,263$15,156
Home Insurance *$248$2,976
Property Taxes $116$1,392
Electricity $154$1,850
Total$1,781$21,372
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$61,062/yr
40% on housing$53,430/yr
45% on housing$47,493/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

$198This listing

vs Other Active Listings

Avg $/sqft

ZIP 42728$155
Adair County$160

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
2026-05-14Price change$269,000
2025-11-17Listed for sale$279,000

For Sale by Agent

AgentJerry Robertson
BrokerageSouthern Nest Realty, LLC

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