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7095 Winners Circle Dr, Richmond, KY, 40475

7beds
6baths
4,951sqft
$1,250,000
$252price/sqft
$8,068/moest. monthly cost
$322,720/yrincome needed

About This Home

Welcome to this stunning custom built home in Lake Ridge Estates, where thoughtful design, luxury finishes, and modern convenience come together on 1.625 acres of picturesque land. From the moment you step inside, you'll notice the exceptional attention to detail, with every element thoughtfully and meticulously selected by the owner. A private office with an oversized closet sits just off the entry, while soaring ceilings and expansive windows fill the main living space with natural light. The spacious living room is anchored by a remote controlled propane fireplace with illuminated built-ins, and many windows throughout the home feature custom remote blinds for added comfort and ease. The chef's kitchen is truly a showstopper, featuring a large waterfall quartz island, a smart refrigerator with built-in entertainment capabilities, electrical outlets tucked neatly inside drawers, and a 6-burner gas range with grill and convenient pot filler. Custom drawer organizers maximize functionality, while a massive hidden walk-in pantry offers abundant shelving, wine storage, and a beverage refrigerator. The first-floor primary suite is a luxurious retreat, complete with a spa-inspired bathroom with heated floors, a double vanity with smart mirrors, wall-mounted faucets, a standalone soaking tub, tiled shower with panel system, and a heated towel rack. The oversized custom walk-in closet completes the suite. Upstairs offers three additional bedrooms and two full bathrooms, including a Jack-and-Jill layout, plus a versatile loft space perfect for a secondary living area. The walk-out basement is ideal for multi-generational living, featuring a full in-law suite with three bedrooms, two full bathrooms, a large living room, and a full kitchen with quartz countertops, a large island, and custom cabinetry with built-in organizers. A dedicated theatre room with professionally wired surround sound elevates the entertainment experience. The basement also includes its own laundry area and a private primary suite with a beautifully appointed bathroom and spacious walk-in closet. Step outside to enjoy the serene setting, complete with a private 10x10 dock on Taylor Fork Lake, a peaceful 38-acre no-wake fishing lake. The large back deck offers both covered and uncovered spaces and is accessible from the main living area and primary bedroom, making it perfect for relaxing or entertaining. Additional features include a buried propane tank, solar porch lighting, a priority thermostat system allowing individualized room temperature control, and a tankless water heater providing endless, nearly instant hot water. Meticulously maintained and thoughtfully designed, this is a one of a kind home that offers luxury, comfort, and versatility in an exceptional setting. Come see it today!

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

--
9/10
7/10

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Concrete Perimeter
  • Roof: Dimensional Style
  • Construction materials: Brick Veneer,Stone,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Gas Range,Microwave,Refrigerator,Cooktop,Oven,Vented Exhaust Fan
  • Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup,Lower Level

Basement

  • Has basement: Yes
  • Basement: Bath/Stubbed,Exterior Entry,Finished,Full,Interior Entry,Walk-Out Access,Walk-Up Access

Bathroom1

  • Level: First

Bathroom3

  • Level: Second

Bathroom4

  • Level: Second

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom5

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Bonus Room

  • Level: Second

Features

  • Breakfast Bar,Entrance Foyer,In-Law Floorplan,Wet Bar,Walk-In Closet(s),Ceiling Fan(s),Soaking Tub
  • Window features: Insulated Windows,Blinds,Screens
  • Flooring: Carpet,Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Gas Starter,Great Room,Propane,Ventless
  • Fireplace: Yes
  • Finished area below ground: 1,914
  • Finished area above ground: 3,037

Heating & Cooling

  • Heating features: Zoned,Dual Fuel
  • Cooling features: Electric,Zoned

Interior Area

  • Total structure area: 4,951
  • Total interior livable area: 4,951 sqft

Kitchen

  • Level: First

Kitchen

  • Level: Lower

Living Room

  • Level: First

Living Room

  • Level: Lower

Master Bathroom

  • Level: First

Master Bathroom

  • Level: Lower

Master Bedroom

  • Level: First

Master Bedroom

  • Level: Lower

Office

  • Level: First

Other

  • Level: Lower

Recreation Room

  • Level: Lower

Utility Room

  • Level: First

Utility Room

  • Level: Lower

Property

Details

  • Parcel number: 004300160073
  • Other equipment: Home Theater

Features

  • Levels: Two
  • Exterior features: Fire Pit
  • Fencing: None
  • Has view: Yes
  • View description: Trees/Woods,Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterbody name: Other

Lot

  • Lot size: 1.63 Acres
  • Features: Landscaped,Few Trees

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Garage Door Opener,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Strong Wind
Tornado
Winter Weather

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 $6,320$75,840
Home Insurance *$619$7,428
Property Taxes $739$8,868
Electricity $390$4,691
Total$8,068$96,816
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$276,617/yr
40% on housing$242,040/yr
45% on housing$215,146/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$252This listing

vs Other Active Listings

Avg $/sqft

ZIP 40475$165
Madison County$164

vs Homes Sold Last Month

Median $/sqft

ZIP 40475$175
Madison County$177

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
2026-05-07Listed for sale$1,300,000

For Sale by Agent

AgentTiffany Jarvis
BrokerageERA Select Real Estate

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