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354 Barker Cemetery Rd, Olive Hill, KY, 41164

4beds
3baths
2,532sqft
$449,000
$177price/sqft
$3,055/moest. monthly cost
$122,200/yrincome needed

About This Home

Situated on approximately 18 acres, this farmhouse-style home offers the perfect blend of country living, functional acreage, and comfortable living space. The home features approximately 2,532 square feet, 4 bedrooms, and 3 full bathrooms. An open-concept kitchen, dining, and living area serves as the heart of the home, creating a spacious setting for entertaining guests, hosting family gatherings, or enjoying everyday life. A large mudroom and laundry room provide the practicality and storage space needed for rural living.The 18A± acres offer a desirable mix of open ground and wooded acreage, creating opportunities for recreation, gardening, small livestock, hunting, or simply enjoying the privacy and beauty of the countryside. The open areas provide room for outdoor activities and potential hobby farm use, while the wooded portions add character, shade, and wildlife habitat. Whether relaxing on the property, exploring the acreage, or enjoying the peaceful setting, there is plenty of room to make the most of country life.Conveniently sized and thoughtfully laid out, this property offers the space and versatility to serve as a full-time residence, family homestead, or weekend retreat. Combining a well-designed home with usable acreage, it presents an excellent opportunity for those seeking comfort, privacy, and the freedom that comes with owning land.This 18+/- acres will need to be excepted from the parent parcel.

Getting Around

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

Schools

5/10
5/10
4/10

Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Other

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3

Interior Area

  • Total structure area: 2,532
  • Total interior livable area: 2,532 sqft

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

  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Inland Flooding
Ice Storm
Landslide
Lightning
Strong Wind
Tornado
Winter Weather

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 $2,270$27,240
Home Insurance *$418$5,016
Property Taxes $168$2,016
Electricity $199$2,399
Total$3,055$36,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,742/yr
40% on housing$91,650/yr
45% on housing$81,466/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: 8.1%
8.1%
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

$177This listing

vs Other Active Listings

Avg $/sqft

ZIP 41164$78
Carter County$88

vs Homes Sold Last Month

Median $/sqft

ZIP 41164$104
Carter County$104

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
2026-07-09Listed for sale$449,000

For Sale by Agent

AgentJeff Stamper
BrokerageWhitetail Properties

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