397 A Hightower Rd, Elkton, KY, 42220
About This Home
Private, peaceful, and practically brand new! Nestled on 1 acre with mature trees, two creeks, and even a possible natural spring, this less-than-one-year-old ranch offers the best of country living. Inside, you’ll love the open layout, large kitchen island, and hard surface flooring throughout with no carpet. Minimal steps make for easy living, while the oversized rocking chair front porch gives you the perfect place to unwind and take in the view. Conveniently located just 30 mi to Clarksville or Fort Campbell and less than 20 mi to Hopkinsville. **Photos are from original construction and do not reflect the current condition of the home.** Short-sale - all offers must have bank approval.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2025
Materials
- Roof: Tile,Concrete
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Electric Oven,Dishwasher,Microwave,Refrigerator
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 2
Features
- Ceiling Fan(s)
- Finished area above ground: 1,039
Heating & Cooling
- Heating features: Central
- Cooling features: Ceiling Fan(s),Central Air,Electric
Interior Area
- Total structure area: 1,039
- Total interior livable area: 1,039 sqft
Property
Details
- Special condition: Standard,Short Sale
Features
- Levels: One
- Stories: 1
- Patio & porch: Porch,Covered,Deck
- Waterfront features: Creek
- Topography of land: Wooded
Lot
- Lot size: 1 Acres
- Features: Wooded
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
- Ice Storm
- Strong Wind
- Tornado
- Cold Wave
- Hail
- Inland Flooding
- Lightning
- Drought
- Earthquake
- Heat Wave
How This Home’s Risks Compare
FEMA Declared Disasters Across Kentucky Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,112 | $13,344 |
| Home Insurance * | $123 | $1,476 |
| Property Taxes | $100 | $1,200 |
| Electricity | $154 | $1,850 |
| Total | $1,489 | $17,868 |
Income You'd Need if You Spent...
Kentucky FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-03 | Listed for sale | $220,000 |
View on Zillow