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1198 High Way, Sharpsburg, KY, 40374

2beds
2baths
2,500sqft
$399,000
$160price/sqft
$2,600/moest. monthly cost
$104,000/yrincome needed

About This Home

Beautiful 50 acre tract located in the country but close to major roads and towns. 2500 sq ft recently constructed house, 2 Bedroom, walk-in closet,1.5 bath, kitchen w/appliances, large living room, hardwood floors, spray foam insulated (ceiling, walls, floors), utility room, additional room that could be used as a 3rd bedroom, central air, wood heating stove is all that is needed for heat, city water, metal roof, 12'x70' front porch. House is located at the back side end of the 50 acres (surveyed), offers a lot of privacy. the property has some nice open fields, 2 ponds, 1 spring, some fencing, long gravel road goes to the house. Must see to appreciate, call Ronnie Lawson 859-494-9305 for a showing or questions.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

4/10
6/10
6/10
Bath County High SchoolGrades 9-129.4 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Crawl Space,Underpinning,Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Other

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch/Single
  • Property subType: Farm with House

Interior

Appliances

  • Appliances included: Range,Refrigerator,Electric Water Heater
  • Laundry features: W/D Hookup

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Ceiling Fan(s)
  • Flooring: Hardwood
  • Fireplace features: Free Standing,Wood Burning Stove
  • Fireplace: Yes
  • Attic: Access Only

Heating & Cooling

  • Heating features: Wood,Stove
  • Cooling features: Central Electric

Interior Area

  • Total structure area: 2,500
  • Total interior livable area: 2,500 sqft

Kitchen

  • Features: Kitchen/Dining

Property

Details

  • Wooded area: 1306800

Features

  • Levels: One
  • Fencing: Fenced
  • Frontage length: Apx Road Frontage: 500

Lot

  • Lot size: 50 Acres
  • Features: 50+ acres,Scenic,Paved,Pasture/Gardens

Parking

  • Parking features: None,Gravel
  • 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

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather
Hail
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 $2,017$24,204
Home Insurance *$200$2,400
Property Taxes $186$2,232
Electricity $197$2,369
Total$2,600$31,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,142/yr
40% on housing$78,000/yr
45% on housing$69,333/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: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$160This listing

vs Other Active Listings

Avg $/sqft

ZIP 40374$106
Bath County$147

vs Homes Sold Last Month

Median $/sqft

ZIP 40374$142
Bath 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
2026-03-25Listed for sale$450,000

For Sale by Agent

AgentRonnie Lawson
BrokerageChuck Marshall Real Estate

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