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313 Circle Point Dr, Richmond, KY, 40475

4beds
3baths
2,482sqft
$550,000
$222price/sqft
$3,574/moest. monthly cost
$142,960/yrincome needed

About This Home

Ranch living with room to grow. This Craft Construction home is situated nicely on a corner lot in Shiloh Cove with a side-entry garage and a walk-out basement, delivering the ease of single-level living without asking you to give anything up. The main level opens through a foyer into a great room with cathedral ceilings and LVP flooring that continues through the kitchen and breakfast area, creating a bright, connected everyday living space. The kitchen offers quartz countertops, a generous pantry, and a layout that works beautifully for both prep and storage while still feeling open, polished, and easy to gather in. The privately positioned primary suite includes a tray ceiling, tile bath, two walk-in closets, and direct access from the primary closet into the laundry room for everyday convenience. Two additional bedrooms are also on the main level, each with its own walk-in closet, with a full bath centrally located nearby. Step outside from the breakfast area to an open deck made for morning coffee or evening unwinding, then head downstairs to a walk-out basement with 9-foot ceilings, a recreation room, fourth bedroom with walk-in closet, full bath, concrete patio, and additional unfinished storage. Buyers who get under contract before materials are ordered can choose between LVP and engineered hardwood in the main living areas at no difference in cost, whichever best suits their style. Built by Craft Construction with high-quality finishes and quartz countertops throughout, this home is positioned between Richmond and Lexington with easy access to shopping, dining, schools, and commuter routes. Buyers can still make remaining selections. Expected completion updated to September 2026.

Getting Around

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

Schools

9/10
Boonesborough ElementaryGrades PK-51.2 mi
7/10

Construction

Condition

  • Property condition: New Construction
  • Year built: 2026

Materials

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

Type & Style

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

Interior

Appliances

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

Basement

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

Bathroom2

  • Level: First
  • Area: 65.175

Bathroom3

  • Level: Lower
  • Area: 45.305

Bedroom2

  • Level: First
  • Area: 121

Bedroom3

  • Level: First
  • Area: 136.62

Bedroom4

  • Level: Lower
  • Area: 168.2

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First
  • Area: 133.25

Features

  • Breakfast Bar,Entrance Foyer,Eat-in Kitchen,Walk-In Closet(s),Ceiling Fan(s)
  • Window features: Screens
  • Flooring: Carpet,Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Great Room
  • Fireplace: Yes
  • Finished area below ground: 754
  • Finished area above ground: 1,728

Foyer

  • Level: First
  • Area: 63.365

Great Room

  • Level: First
  • Area: 315

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,482
  • Total interior livable area: 2,482 sqft

Kitchen

  • Level: First
  • Area: 126.75

Master Bathroom

  • Level: First
  • Area: 97.2186

Master Bedroom

  • Level: First
  • Area: 190.71

Other

  • Level: First
  • Area: 24

Other

  • Level: First
  • Area: 33.75

Other

  • Level: First
  • Area: 51.1936

Other

  • Level: First
  • Area: 31.98

Other

  • Level: First
  • Area: 31.98

Other

  • Level: Lower
  • Area: 41.25

Other

  • Level: Lower

Recreation Room

  • Level: Lower

Utility Room

  • Level: First
  • Area: 66.88

Property

Features

  • Levels: One
  • Has view: Yes
  • View description: Rural,Trees/Woods,Farm

Lot

  • Lot size: 0.29 Acres
  • Features: Other

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Driveway,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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather
Cold Wave
Hail
Strong Wind
Tornado

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 $2,781$33,372
Home Insurance *$272$3,264
Property Taxes $325$3,900
Electricity $196$2,352
Total$3,574$42,888
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,537/yr
40% on housing$107,220/yr
45% on housing$95,306/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

$222This 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
2026-05-21Listed for sale$550,000

For Sale by Agent

AgentKennedy Konshak
BrokerageBluegrass Properties Group

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