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119 Spruce Valley Rd, Jeffersonville, KY, 40337

4beds
3baths
2,850sqft
$634,000
$222price/sqft
$4,512/moest. monthly cost
$180,480/yrincome needed

About This Home

Tucked away at the end of a quiet road, this private retreat sits on 34.25 wooded acres and offers full getaway experience. The main home is a true wood cabin with approx. 2,850 sq ft, featuring 4 bedrooms, 3 full baths, and a finished basement. Step inside to vaulted ceilings, beautiful hardwood floors, Pella windows, and a cozy wood-burning fireplace that anchors the living room. Outside, the land becomes your playground. There's a shooting range, playground, fishing pond, and even an above ground saltwater pool. A handcrafter guest cabin, built with timber harvested right from the property, overlooks the pond and includes its own wood-burning fireplace and loft. It's perfect for guests, short-term rental potential, or just an extra spot to unwind. With room to roam, the acreage is ideal for hunting, hiking, timber, or simply soaking in the peace and beauty of nature. Plus, there are multiple potential building sites if someone wants to expand.

Getting Around

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

Schools

6/10
Camargo Elementary SchoolGrades PK-55.4 mi
7/10
McNabb Middle SchoolGrades 6-89.4 mi
7/10

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Log

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin
  • Property subType: Cabin

Interior

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Walk-Out Access

Bathroom1

  • Level: Lower

Bathroom2

  • Level: First

Bathroom3

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Bonus Room

  • Level: Lower

Features

  • Ceiling Fan(s)
  • Flooring: Hardwood,Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,850

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,850
  • Total interior livable area: 2,850 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: na

Features

  • Levels: One and One Half
  • Has view: Yes
  • View description: Rural,Trees/Woods

Lot

  • Lot size: 34.25 Acres

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

  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Kentucky Counties

Flood
Hurricane
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
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 $3,205$38,460
Home Insurance *$686$8,232
Property Taxes $396$4,752
Electricity $225$2,700
Total$4,512$54,144
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$154,697/yr
40% on housing$135,360/yr
45% on housing$120,320/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.4%
0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$222This listing

vs Other Active Listings

Avg $/sqft

ZIP 40337$121
Montgomery County$150

vs Homes Sold Last Month

Median $/sqft

ZIP 40337$131
Montgomery County$143

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
2026-03-14Price change$634,000
2025-11-26Listed for sale$685,000

For Sale by Agent

AgentJacqueline Townsend
BrokerageRE/MAX Creative, Winchester

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