




520 Ridgewater Ct, Lexington, KY, 40515
About This Home
FAMILY FRIENDLY is the very best description of this house, street and neighborhood. A beautiful property, located on a quiet cul-de-sac is less than a 10th of a mile from the Waterford Clubhouse, tennis courts and pool. The level, fenced back yard, largely private with a number of maturing trees and lush perennials bordering the perimeter, is well suited for all kinds of outdoor activities and containment of your canine family member too. A large screened in porch is perfect for outdoor meals, morning coffee, becoming engrossed in your latest book or an evening refuge from the bother of mosquitoes and insects. But the real gem is the house itself! Plenty of comfortable spaces await inside for gathering, relaxing, hosting holiday events, preparing delicious meals and coming together as a family to eat in the kitchen or large adjoining dining room. Four bedrooms are upstairs with a mammoth Primary Bedroom, redone and sophisticated Primary Bath and well designed, large walk in closet for hanging, and shelf and drawer placement of clothes and shoes, There is even a built in clothes hamper and the laundry room right off the hallway is conveniently located in the center of the bedrooms. In addition to the thoughtful design of the house with an attractive and handsome front, plenty of closet space will accommodate all of your storage needs. And a very large, floored attic space beyond the primary bedroom walk in closet gives you plenty of space for out of season items and holidays decorations. Don't delay seeing this gem: fantastic, family oriented neighborhood, quiet street with little traffic, and well cared for house that will give you many years of comfort, security and everyday use!
Getting Around
Schools
Construction
Condition
- Year built: 1992
Materials
- Foundation: Block
- Roof: Composition
- Construction materials: Brick Veneer,HardiPlank Type
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Refrigerator,Range,Self Cleaning Oven
- Laundry features: Electric Dryer Hookup,Washer Hookup
Basement
- Basement: Crawl Space
Bathroom1
- Level: First
Bathroom2
- Level: Second
Bathroom3
- Level: Second
Bedroom1
- Level: Second
Bedroom2
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Level: First
Family Room
- Level: First
Features
- Breakfast Bar,Entrance Foyer,Eat-in Kitchen,Walk-In Closet(s),Ceiling Fan(s)
- Door features: Storm Door(s)
- Window features: Blinds
- Flooring: Carpet,Hardwood
- Number of fireplaces: 1
- Fireplace features: Family Room,Gas Log,Masonry
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 2,546
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 2,546
- Total interior livable area: 2,546 sqft
Kitchen
- Level: First
Living Room
- Level: First
Master Bathroom
- Level: Second
Master Bedroom
- Level: Second
Property
Details
- Parcel number: 20113120
Features
- Levels: Two
- Fencing: Chain Link,Wood
Lot
- Lot size: 10,323 sqft
- Features: Landscaped,Few Trees
Parking
- Total spaces: 2
- Parking features: Attached Garage,Driveway,Garage Door Opener,Off Street,Garage Faces Front
- 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
- Lightning
- Tornado
- Winter Weather
- Hail
- Inland Flooding
- Ice Storm
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Kentucky Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,374 | $28,488 |
| Home Insurance * | $201 | $2,412 |
| Property Taxes | $391 | $4,692 |
| Electricity | $201 | $2,412 |
| Total | $3,167 | $38,004 |
Income You'd Need if You Spent...
Kentucky FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-20 | Listed for sale | $469,500 |
| 2026-06-17 | Contingent | $469,500 |
| 2026-06-07 | Listed for sale | $469,500 |
| 1994-06-30 | Sold | $148,000 |
