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1080 Chetford Dr, Lexington, KY, 40509

5beds
4baths
3,505sqft
$735,000
$210price/sqft
$5,020/moest. monthly cost
$200,800/yrincome needed

About This Home

** OPEN HOUSE SUNDAY 2 to 4 pm **. Don't miss this elegant and updated 2 story on a basement in ever popular Andover Forest neighborhood. This 5Br/3.5Ba beauty backs to the Andover Forest community green space including views of a pond. A bright 2 story foyer welcomes you in. Living room/home office with French style doors and spacious dining room with crown moldings. Family room features gas fireplace and built-in shelving. Kitchen features quartz countertops, stainless steel appliances and an island. Hardwood floors grace all the first floor rooms as well as the second floor hallway and bedrooms. Located on the second floor, the spacious primary bedroom offers tray ceiling, crown molding, and a well appointed en-suite bathroom and walk in closet. The en-suite bathroom features tile flooring, double sink vanity with quartz countertop, tile shower, and Maax air tub. The 3 additional bedrooms on the second floor are well sized. The laundry room is conveniently located on the second floor as well. In the walk out basement you will find a large den/family room with fireplace, a spacious bedroom, and a full bathroom. The basement also offers extra storage in the unfinished portion. Roomy rear deck and patio offer beautiful views of the back yard and Andover Forest community green space. Don't miss the recently installed 2 furnaces and 2 central air units in November 2024 and newly shingled roof in 2026. Additional updates are detailed on the Seller's Disclosure. Your beautiful next home awaits!

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

8/10
7/10

Construction

Condition

  • Year built: 1992

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Brick Veneer,Other

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Disposal,Dishwasher,Microwave,Refrigerator,Washer,Cooktop,Oven
  • Laundry features: Electric Dryer Hookup,Washer Hookup,Upper Level

Basement

  • Has basement: Yes
  • Basement: Concrete,Partially Finished,Walk-Out Access

Bathroom1

  • Level: First

Bathroom2

  • Level: Second

Bathroom3

  • Level: Second

Bathroom4

  • Level: Lower

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Den

  • Level: Lower

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Central Vacuum,Entrance Foyer,Eat-in Kitchen,Walk-In Closet(s),Ceiling Fan(s)
  • Window features: Insulated Windows,Blinds
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 2
  • Fireplace features: Basement,Family Room,Masonry
  • Fireplace: Yes
  • Finished area below ground: 926
  • Finished area above ground: 2,579

Foyer

  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Natural Gas,Zoned
  • Cooling features: Central Air,Electric,Zoned

Interior Area

  • Total structure area: 3,505
  • Total interior livable area: 3,505 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Utility Room

  • Level: Second

Property

Details

  • Parcel number: 20116310
  • Other equipment: Irrigation Equipment

Features

  • Levels: Two
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 9,365 sqft

Parking

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

  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Ice Storm
Lightning
Strong Wind
Winter Weather

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 $3,716$44,592
Home Insurance *$265$3,180
Property Taxes $763$9,156
Electricity $276$3,321
Total$5,020$60,240
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$172,114/yr
40% on housing$150,600/yr
45% on housing$133,866/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 40509$194
Fayette County$246

vs Homes Sold Last Month

Median $/sqft

ZIP 40509$195
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
2026-07-16Price change$735,000
2026-06-25Listed for sale$745,000
2013-06-07Sold$400,000
2013-04-05Listed for sale$416,000

For Sale by Agent

AgentScott Ackerman
BrokerageKeller Williams Bluegrass Realty

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