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7014 Organ Creek Cir, Pendleton, KY, 40055

2beds
1baths
1,000sqft
$334,900
$335price/sqft
$2,261/moest. monthly cost
$90,440/yrincome needed

About This Home

Cabin on 5.5 acres of hunting paradise in Oldham County w/ additional 6.5 acre tract available at additional price, this private property offers a peaceful setting, including the wonderful front porch, and plenty of space to enjoy nature, whether as a full-time residence or a weekend retreat. The home features 2 bedrooms, a loft, and 1 bathroom, along with a functional kitchen with ample cabinet space. A wood-burning stove adds warmth to the main living area, and the full unfinished walkout basement provides unlimited potential. The property is accessed through an electric gated entrance and includes two buildings, both with electricity. There is a 12 X 12 building w/an attached 18 X 21 carport, as well as a 10 X 20 building that was previously used for a taxidermy business, offering flexibility for a variety of uses. For hunting or outdoor nature watching, the land is well-prepared with established food plots, active mineral lick locations, and terrain that supports wildlife year-round. The property includes city water, and access to fiber optic internet. This rare opportunity is located approximately 30 minutes from Louisville, offering the perfect balance of privacy and convenience.

Getting Around

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

Schools

9/10
8/10
9/10
Oldham County High SchoolGrades 9-129.4 mi

Construction

Condition

  • Year built: 1990

Materials

  • Foundation: Concrete Perimeter
  • Roof: Metal
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished,Walkout Unfinished

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,000

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,000
  • Total interior livable area: 1,000 sqft

Kitchen

  • Level: First

Laundry

  • Level: Basement

Living Room

  • Level: First

Loft

  • Level: Second

Property

Details

  • Parcel number: 0

Features

  • Stories: 2
  • Patio & porch: Porch
  • Exterior features: None
  • Waterfront features: Creek

Lot

  • Lot size: 5.50 Acres
  • Features: Wooded

Parking

  • Total spaces: 1
  • Parking features: None
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Inland Flooding
Lightning

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 $1,693$20,316
Home Insurance *$158$1,896
Property Taxes $256$3,072
Electricity $154$1,850
Total$2,261$27,132
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,520/yr
40% on housing$67,830/yr
45% on housing$60,293/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: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$335This listing

vs Other Active Listings

Avg $/sqft

ZIP 40055$228
Oldham County$226

vs Homes Sold Last Month

Median $/sqft

ZIP 40055
Oldham County$185

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
2026-07-21Price change$334,900
2026-07-21Listed for sale$407,400
2026-06-10Listing removed$429,900
2026-05-20Price change$429,900
2026-04-27Listed for sale$439,000

For Sale by Agent

AgentTeresa M Cotterman
BrokerageColdwell Banker Larry Rogers

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