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391 Pine Valley Ln, Flat Lick, KY, 40935

2beds
1baths
957sqft
$120,000
$125price/sqft
$1,029/moest. monthly cost
$41,160/yrincome needed

About This Home

Move-in ready! Priced to sell. This 2-bedroom 1-bath home is ready for it's new owners. The home has recently been painted, new carpet in bedrooms and living room and new laminate flooring in kitchen and dining. The two storage sheds will convey with the home. The survey has just been completed and surveys at .58 acre. Metal roof, and windows are newer. Make this house your home. You are less than 1/4 mile to Flat Lick School and US 25E. It's about 8-10 minutes to Walmart. This home was used as a rental but has been well-maintained. Schedule your private showing and see for yourself.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

8/10
7/10
3/10
Knox Central High SchoolGrades 9-123.7 mi

Construction

Condition

  • Year built: 1921

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: None
  • Laundry features: Electric Dryer Hookup

Basement

  • Basement: Crawl Space

Bathroom1

  • Level: First

Bedroom1

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s)
  • Flooring: Carpet,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 957

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 957
  • Total interior livable area: 957 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 000000000000

Features

  • Levels: One
  • Exterior features: Garden
  • Fencing: None
  • Has view: Yes
  • View description: Rural,Trees/Woods,Mountain(s),Neighborhood
  • Horses can be raised: Yes

Lot

  • Lot size: 0.58 Acres
  • Features: Few Trees

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

  • Cold Wave
    Cold WaveVery High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Inland Flooding
Lightning
Strong Wind
Tornado
Wildfire

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 $606$7,272
Home Insurance *$215$2,580
Property Taxes $54$648
Electricity $154$1,850
Total$1,029$12,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,280/yr
40% on housing$30,870/yr
45% on housing$27,440/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -5.9%
-5.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$125This listing

vs Other Active Listings

Avg $/sqft

ZIP 40935
Knox County$111

vs Homes Sold Last Month

Median $/sqft

ZIP 40935$58
Knox County$121

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
2026-01-08Listed for sale$129,000

For Sale by Agent

AgentMarcella Walker
BrokerageWEICHERT REALTORS - Ford Brothers

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