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4934 State Highway 589, West Liberty, KY, 41472

3beds
2baths
1,592sqft
$225,000
$141price/sqft
$1,540/moest. monthly cost
$61,600/yrincome needed

About This Home

Charming and well-maintained 3-bedroom, 2 full bath home situated on approximately 5 , wooded acres—perfect for first-time buyers or those looking to downsize and enjoy a quieter pace of life. This 1,592 sq ft home offers a comfortable layout with a nice kitchen and dining area, plus a separate laundry/utility room for everyday convenience. The home is move-in ready, making it an easy transition whether you're just starting out or simplifying. Enjoy your morning coffee or just relax on the large covered front porch, with an additional smaller porch for extra outdoor space. The property also includes a 22' x 24' car awning for covered parking. A 720 sq ft detached garage with concrete floor and an 8' x 10' garage door provides great space for storage, a workshop, or hobbies. There's also an older barn on the property—ideal for storage, gardening tools, or a small hobby farm setup. If you're looking for privacy, space to enjoy the outdoors, and a home that's easy to maintain, this property is a great fit. Conveniently located about 20 minutes from West Liberty and 30 minutes from Paintsville.

Getting Around

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

Schools

8/10
4/10
3/10
Morgan County High SchoolGrades 9-1212.2 mi

Construction

Condition

  • Year built: 1980

Materials

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

Type & Style

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

Interior

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Flooring: Hardwood,Laminate,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,592

Heating & Cooling

  • Heating features: Electric,Heat Pump,Space Heater
  • Cooling features: Electric,Heat Pump

Interior Area

  • Total structure area: 1,592
  • Total interior livable area: 1,592 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Features

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

Lot

  • Lot size: 5 Acres
  • Features: Secluded,Wooded,Many Trees

Parking

  • Total spaces: 3
  • Parking features: Detached Carport
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 3
  • Carport: Yes
  • Carport spaces: 1

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
  • Winter Weather
    Winter WeatherRelatively High
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Landslide
Lightning
Strong Wind
Tornado
Wildfire

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 $1,137$13,644
Home Insurance *$148$1,776
Property Taxes $101$1,212
Electricity $154$1,850
Total$1,540$18,480
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,800/yr
40% on housing$46,200/yr
45% on housing$41,066/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: -5.7%
-5.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 41472$130
Morgan County$167

vs Homes Sold Last Month

Median $/sqft

ZIP 41472
Morgan County$87

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
2026-05-01Price change$225,000
2026-03-31Listed for sale$250,000

For Sale by Agent

AgentVickie P Oldfield
BrokerageThe Real Estate Co - W Liberty

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