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4374 Summer Shade Rd, Summer Shade, KY, 42166

3beds
2baths
2,144sqft
$240,000
$112price/sqft
$1,732/moest. monthly cost
$69,280/yrincome needed

About This Home

??4374 Summer Shade Rd | Summer Shade, KY Investor opportunity featuring 18.8 acres in a peaceful rural setting. This property includes a gutted home ready for renovation or customization, offering a blank slate for investors, flippers, or buyers looking to build equity. The acreage offers a combination of open land and mature trees, providing privacy and versatility. A detached outbuilding offers additional storage or workshop space. Utilities are already in place, adding to the property’s potential. Property Features: • 18.8 acres • Gutted home ready for remodel • Detached outbuilding • Rural setting with mature trees • Utilities in place • Excellent investment potential Professional photos coming soon.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

4/10
4/10

Construction

Condition

  • Year built: 1980

Materials

  • Roof: Shingle
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater (See Remarks)
  • Laundry features: Other

Basement

  • Basement: None,Crawl Space

Bathroom

  • Features: None

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • None,Walls (Dry Wall)
  • Flooring: None
  • Fireplace features: None

Heating & Cooling

  • Heating features: Other,See Remarks
  • Cooling features: Other

Interior Area

  • Total structure area: 2,144
  • Total interior livable area: 2,144 sqft

Kitchen

  • Features: None
  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: Other-See Remarks

Features

  • Patio & porch: Covered Front Porch
  • Exterior features: Trees
  • Fencing: Partial
  • Waterbody name: None

Lot

  • Lot size: 18.84 Acres
  • Features: Farm

Parking

  • Total spaces: 2
  • Parking features: Attached,Detached,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Strong Wind
Tornado
Winter Weather
Inland Flooding
Ice Storm

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 $1,213$14,556
Home Insurance *$248$2,976
Property Taxes $102$1,224
Electricity $169$2,031
Total$1,732$20,784
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$59,382/yr
40% on housing$51,960/yr
45% on housing$46,186/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -3.0%
-3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$112This listing

vs Other Active Listings

Avg $/sqft

ZIP 42166$365
Metcalfe County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 42166$152
Metcalfe County$105

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
2026-05-06Listed for sale$250,000

For Sale by Agent

AgentDenisha B Harper
BrokerageLegacy Property Group

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