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10 Birdsong Trl, Zoe, KY, 41397

2beds
2baths
1,400sqft
$405,000
$289price/sqft
$2,867/moest. monthly cost
$114,680/yrincome needed

About This Home

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

4/10
7/10

Construction

Condition

  • Property condition: New Construction
  • Year built: 2026

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin
  • Property subType: Cabin

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Microwave,Refrigerator,Washer,Range
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Basement: Crawl Space

Bathroom1

  • Level: First

Bedroom1

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s)
  • Finished area below ground: 0
  • Finished area above ground: 1,400

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Ceiling Fan(s),Heat Pump

Interior Area

  • Total structure area: 1,400
  • Total interior livable area: 1,400 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 0360000003A.625

Features

  • Levels: One

Lot

  • Lot size: 0.96 Acres
  • Features: Wooded

Parking

  • Parking features: Driveway
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather
Hail
Landslide
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 $2,047$24,564
Home Insurance *$410$4,920
Property Taxes $256$3,072
Electricity $154$1,850
Total$2,867$34,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,297/yr
40% on housing$86,010/yr
45% on housing$76,453/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: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$289This listing

vs Other Active Listings

Avg $/sqft

ZIP 41397
Lee County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 41397
Lee County$107

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
2026-05-15Listed for sale$405,000

For Sale by Agent

AgentAmanda Midkiff
BrokerageCENTURY 21 Advantage Realty

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