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4590 Kentucky #90, Parkers Lake, KY, 42634

2beds
1baths
2,716sqft
$197,000
$73price/sqft
$1,408/moest. monthly cost
$56,320/yrincome needed

About This Home

Flowers Make Peace! Nestled on a beautifully landscaped 1.8 acre lot, this charming brick home offers comfort, character, and endless possibilities. The property is a gardener's dream, featuring a large variety of blooming plants & flowers. Inside, you'll find a spacious eat-in kitchen, two bedrooms, & one bathroom. The inviting living room features a stone propane fireplace, creating a warm & cozy atmosphere. An additional living area, currently used as a family room, provides flexible space that could serve as a home office, hobby room, or entertainment area. The finished basement features durable tile flooring &adds valuable living space. A large enclosed porch wraps from the side to the back of the home & connects to an enclosed greenhouse, perfect for year-round gardening & enjoying the surrounding beauty. With numerous updates & improvements throughout, is truly a must-see to appreciate all it has to offer. With all of this you will also find the location to be convenient to hiking, hunting and fishing . Country living, beautiful landscaping, & versatile living spaces make this property a rare find.

Getting Around

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

Schools

8/10
3/10
3/10

Construction

Condition

  • Year built: 1976

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Brick Veneer,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Refrigerator,Washer,Range
  • Laundry features: Electric Dryer Hookup,Washer Hookup,Lower Level

Basement

  • Has basement: Yes
  • Basement: Concrete,Exterior Entry,Finished,Full,Interior Entry,Walk-Out Access

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bedrooms & Bathrooms

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

Bonus Room

  • Level: First

Features

  • Eat-in Kitchen,Ceiling Fan(s)
  • Door features: Storm Door(s)
  • Window features: Screens
  • Flooring: Ceramic Tile
  • Number of fireplaces: 2
  • Fireplace features: Electric,Gas Log,Living Room,Master Bedroom
  • Fireplace: Yes
  • Finished area below ground: 1,176
  • Finished area above ground: 1,540

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,716
  • Total interior livable area: 2,716 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Utility Room

  • Level: Lower

Property

Details

  • Parcel number: 1310000014.00

Features

  • Levels: One
  • Exterior features: Other
  • Fencing: None

Lot

  • Lot size: 1.80 Acres
  • Features: Few Trees

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
  • 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 $996$11,952
Home Insurance *$121$1,452
Property Taxes $77$924
Electricity $214$2,573
Total$1,408$16,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$48,274/yr
40% on housing$42,240/yr
45% on housing$37,546/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

$73This listing

vs Other Active Listings

Avg $/sqft

ZIP 42634$59
McCreary County$138

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)

Price History

DateEventPrice
2026-07-01Listed for sale$197,000

For Sale by Agent

AgentCheryl Flynn
BrokerageRE/MAX LakeTime Realty

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