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187 Hocker St, Beaver Dam, KY, 42320

3beds
3baths
1,712sqft
$378,243
$221price/sqft
$2,521/moest. monthly cost
$100,840/yrincome needed

About This Home

PRICE REDUCTION! This 1,712sf, 3bd 2 1/2 bath new construction home is located on a dead-end street in a well established neighborhood with convenient access to Western Kentucky Parkway and I-165. The house is situated on .812 acres, just outside of Beaver Dam city limits. There is a 2 car garage attached to the house. The main living and dining area features a vaulted ceiling with accent beam and trapezoid windows for plenty of natural light. The living room also has a stone fireplace with ventless logs and remote, with a wood mantle. The kitchen and island have wood cabinets with granite countertops and full granite backsplash with Whirlpool appliances. Adjacent to the kitchen is a large walk-in pantry and plenty of space for a drop zone. The primary bedroom features an en-suite bathroom with dual vanities, a toilet closet, and custom tile shower. Past the bathroom is a large walk-in closet. There is a half bath in the hallway leading to the bedrooms, which share a bathroom between them. The bathroom has separate vanities, a tall cabinet with plenty of storage for towel and toiletries, and a separate room containing the toilet and tub/shower. This house has front and rear vaulted porches with large gable accents for plenty of additional outdoor living space. The roof is three dimensional architectural shingles, and the siding is vertical board and batten vinyl. 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. The flooring throughout is high-end, thick and durable LVP. The walls are 2X4 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
26
BikeSomewhat Bikeable

Schools

8/10
7/10
7/10
Ohio County High SchoolGrades 9-124.6 mi

Construction

Condition

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

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Microwave,Oven

Basement

  • Has basement: Yes
  • Basement: Crawl

Bedrooms & Bathrooms

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

Features

  • Flooring: Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Pull Down Stairs
  • Finished area above ground: 1,712

Heating & Cooling

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

Interior Area

  • Total structure area: 1,712
  • Total interior livable area: 1,712 sqft

Kitchen

  • Features: Open,Granite Counters

Property

Details

  • Lease amount: 0

Features

  • Patio & porch: Patio
  • Frontage length: 0

Lot

  • Lot size: 0.81 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 $1,912$22,944
Home Insurance *$273$3,276
Property Taxes $182$2,184
Electricity $154$1,850
Total$2,521$30,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,434/yr
40% on housing$75,630/yr
45% on housing$67,226/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

$221This listing

vs Other Active Listings

Avg $/sqft

ZIP 42320$123
Ohio County$161

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
2026-07-17Price change$378,243
2026-06-17Listed for sale$382,064
2026-05-05Listing removed--
2026-02-04Listed for sale$389,822

New Construction

AgentDerek Eisenberg
BrokerageContinental Real Estate Group, Inc.

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