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972 Edgewater Dr, Lexington, KY, 40502

4beds
4baths
3,280sqft
$690,000
$210price/sqft
$4,693/moest. monthly cost
$187,720/yrincome needed

About This Home

Lakefront Living Just Minutes from the University of Kentucky and Downtown Lexington Welcome to your dream home! This spacious and beautifully maintained residence offers the perfect blend of comfort, functionality, and scenic beauty. Featuring four bedrooms, two full bathrooms, and two half bathrooms, this home provides ample space for both everyday living and entertaining guests. Enjoy multiple living areas, including a formal living room, a cozy den, a warm and inviting family room, and a dedicated office ideal for working from home. The partially finished basement adds even more versatility, whether for a recreation area, home gym, or additional storage. With three fireplaces throughout the home, you'll experience unmatched warmth and charm during the cooler months. The elegant circle driveway adds curb appeal and convenience, making every arrival a grand one. What truly sets this property apart are the breathtaking lake views from both the front and back of the home, offering tranquil scenery year-round. Step out to the backyard and enjoy direct lake access — perfect for kayaking, fishing, or simply relaxing by the water. Located just minutes from the University of Kentucky and the vibrant heart of downtown Lexington, this home offers both serene living and unbeatable convenience. Do not miss this rare opportunity to own a lakefront gem in one of Lexington's most desirable locations.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

9/10
7/10
Morton Middle SchoolGrades 6-82.0 mi
7/10
Henry Clay High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1971

Materials

  • Foundation: Block
  • Roof: Flat,Membrane,Dimensional Style
  • Construction materials: Brick Veneer

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Bath/Stubbed,Crawl Space,Partial,Partially Finished

Bathroom1

  • Level: Lower

Bathroom2

  • Level: Second

Bathroom3

  • Level: Second

Bathroom4

  • Level: Lower

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2

Den

  • Level: First

Dining Room

  • Level: First

Family Room

  • Level: Lower

Features

  • Entrance Foyer,Walk-In Closet(s),Ceiling Fan(s)
  • Flooring: Carpet,Hardwood,Laminate,Slate,Tile,Parquet
  • Number of fireplaces: 3
  • Fireplace features: Basement,Family Room,Gas Log,Living Room,Masonry,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 594
  • Finished area above ground: 2,686

Foyer

  • Level: First

Heating & Cooling

  • Heating features: Heat Pump,Dual Fuel
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 3,280
  • Total interior livable area: 3,280 sqft

Kitchen

  • Level: First

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Office

  • Level: First

Utility Room

  • Level: Lower

Property

Details

  • Parcel number: 15631550

Features

  • Levels: One and One Half
  • Fencing: Partial
  • Has view: Yes
  • View description: Trees/Woods,Neighborhood,Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterbody name: Other

Lot

  • Lot size: 0.34 Acres
  • Features: Landscaped,Many Trees

Parking

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

  • Cold Wave
    Cold WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Winter Weather
Hail
Inland Flooding
Ice Storm
Lightning
Strong Wind

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 $3,489$41,868
Home Insurance *$209$2,508
Property Taxes $736$8,832
Electricity $259$3,108
Total$4,693$56,316
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,902/yr
40% on housing$140,790/yr
45% on housing$125,146/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: 11.5%
11.5%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$210This listing

vs Other Active Listings

Avg $/sqft

ZIP 40502$241
Fayette County$246

vs Homes Sold Last Month

Median $/sqft

ZIP 40502$271
Fayette County$186

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
2026-04-16Listed for sale$750,000
2026-04-16Listing removed$750,000
2026-03-26Price change$750,000
2026-03-08Price change$799,900
2026-03-03Listed for sale$823,333
2026-01-09Pending sale$823,333
2025-12-10Price change$823,333
2025-11-16Price change$889,500
2025-10-27Price change$899,500
2025-10-15Listed for sale$924,900
2021-11-30Sold$580,000
2021-10-13Pending sale$599,000
2021-09-24Price change$599,000
2021-09-10Listed for sale$625,000
2019-01-08Listing removed$529,000
2018-12-19Price change$529,000
2018-10-26Listed for sale$595,000
2018-03-05Sold$442,400

For Sale by Agent

AgentBradley Warford
BrokerageCentury 21 Pinnacle

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