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23 State Highway 1609, Parkers Lake, KY, 42634

2beds
1baths
1,100sqft
$115,000
$105price/sqft
$850/moest. monthly cost
$34,000/yrincome needed

About This Home

Welcome to your slice of Kentucky country living in the heart of Parkers Lake right next to the Daniel Boone National forest and only a few miles from Cumberland Falls! This charming 2-bedroom, 1-bath home sits on 3.5 beautiful acres and offers the perfect blend of rustic character and peaceful rural life. Step inside to a bright, open living area where the living room, kitchen, and dining space flow together seamlessly — ideal for gathering with family and friends. The kitchen is a true showstopper, featuring an authentic country store island with a farmhouse sink and Classic antique-style stove and refrigerator that bring timeless charm to every meal. Outside, the possibilities are endless. Whether you're an avid hunter, hobby farmer, or simply craving wide open spaces, this property delivers. The land is prime for hunting deer, bear, turkey, and more, while a fenced portion is ready for farm animals or a garden. The side lot includes its own water access and a 30-amp plug — perfect for an RV, camper, or extra equipment. And with a boat ramp just 1.7 miles away, fishing trips are always right around the corner. Relax on the covered front porch with your morning coffee or unwind on the screened side porch as the evening settles in over the trees. This property does need some TLC, including flooring updates — making it a wonderful opportunity for a buyer ready to put their own touch on a truly special piece of Kentucky.

Getting Around

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

Schools

8/10
3/10
3/10

Construction

Materials

  • Foundation: Block,Other
  • Roof: Tile
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Range
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Concrete,Exterior Entry,Full,Partial,Unfinished

Bedroom2

  • Level: First
  • Area: 144

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s)
  • Flooring: Laminate
  • Number of fireplaces: 1
  • Fireplace features: Blower Fan,Electric,Factory Built,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,100

Heating & Cooling

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

Interior Area

  • Total structure area: 1,100
  • Total interior livable area: 1,100 sqft

Kitchen

  • Level: First
  • Area: 150

Master Bedroom

  • Level: First
  • Area: 180

Property

Details

  • Parcel number: 1790000010.00

Features

  • Levels: Two
  • Exterior features: Awning(s),Garden
  • Fencing: Wire
  • Has view: Yes
  • View description: Rural,Trees/Woods,Mountain(s)
  • Horses can be raised: Yes

Lot

  • Lot size: 3.53 Acres
  • Features: Secluded,Wooded,Many Trees

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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Winter Weather
Hail
Landslide
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 $581$6,972
Home Insurance *$70$840
Property Taxes $45$540
Electricity $154$1,850
Total$850$10,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$29,142/yr
40% on housing$25,500/yr
45% on housing$22,666/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: 13.6%
13.6%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -4.9%
-4.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$105This listing

vs Other Active Listings

Avg $/sqft

ZIP 42634$73
McCreary County$139

vs Homes Sold Last Month

Median $/sqft

ZIP 42634
McCreary 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)

No zestimate history available

Price History

DateEventPrice
2026-07-08Price change$115,000
2026-07-06Price change$125,000
2026-06-24Price change$130,000
2026-05-27Listed for sale$135,000

For Sale by Agent

AgentCheryl Harney
BrokerageKeller Williams Commonwealth - Somerset

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