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408 Highway 421 N, Mc Kee, KY, 40447

3beds
2baths
1,400sqft
$625,000
$446price/sqft
$4,118/moest. monthly cost
$164,720/yrincome needed

About This Home

Welcome to 95 Acres and a income producing opportunity! Along with the 95 acres this property includes a 3/bed, 2/bath, brick ranch with basement, and two furnished cabins. This entire property is currently Air B&B rentals. A prime location partly zoned commercial. The home has a newer heating system and roof. Owned by the same family since 1957 and was custom built. Be first to reach out! Google mapping is incorrect. Hwy 421 to Welcome Mckee sign and this listing will be on the left.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

8/10
Mckee Elementary SchoolGrades PK-50.8 mi
5/10

Construction

Condition

  • Year built: 1957

Materials

  • Foundation: Block
  • Roof: Dimensional Style
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Range
  • Laundry features: Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bathroom2

  • Level: First

Bedroom1

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Flooring: Other,Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,400

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,400
  • Total interior livable area: 1,400 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Other

  • Level: Lower

Property

Details

  • Parcel number: 62532

Features

  • Levels: One
  • Has view: Yes
  • View description: Trees/Woods,Mountain(s),Farm
  • Horses can be raised: Yes

Lot

  • Lot size: 95 Acres
  • Features: Wooded

Parking

  • Total spaces: 2
  • Parking features: Attached Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Winter Weather
Cold Wave
Hail
Landslide
Lightning
Tornado

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 $3,160$37,920
Home Insurance *$560$6,720
Property Taxes $244$2,928
Electricity $154$1,850
Total$4,118$49,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$141,188/yr
40% on housing$123,540/yr
45% on housing$109,813/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -2.4%
-2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$446This listing

vs Other Active Listings

Avg $/sqft

ZIP 40447$173
Jackson County$173

vs Homes Sold Last Month

Median $/sqft

ZIP 40447
Jackson County$142

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
2026-02-21Listed for sale$625,000

For Sale by Agent

AgentLesha Hays
BrokerageHays Real Estate

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