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3644 Stolen Horse Trce, Lexington, KY, 40509

3beds
2baths
1,755sqft
$435,000
$248price/sqft
$2,961/moest. monthly cost
$118,440/yrincome needed

About This Home

Beautiful single level home with 10' ceilings and newer flooring. The Great Room has a stone veneer fireplace with gas logs and a built in sound system. The Dining Room has a tray ceiling with recessed lighting and custom arched openings. The Kitchen has cherry cabinets with custom moulding, a decorative tiled backsplash, a new stove and a new microwave oven. The large Master Bedroom suite has a tray ceiling with recessed lighting. The Master Bath has a deep, whirlpool tub, separate shower and a walk-in closet. There are two additional spacious bedroom rooms, each with walk-in closets and built-in bookshelves that are both adjacent to a full bathroom. There is abundant closet space throughout this home. There is also a large laundry room with a linen closet off of the kitchen and the two car garage. The partially covered back porch and a large patio overlook a spacious backyard with a privacy fence.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

7/10
7/10

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Slab
  • Roof: Dimensional Style
  • Construction materials: Brick Veneer,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Disposal,Dishwasher,Microwave,Refrigerator,Washer,Range,Self Cleaning Oven
  • Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup

Bathroom2

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First

Features

  • Entrance Foyer,Eat-in Kitchen,Walk-In Closet(s),Ceiling Fan(s),Soaking Tub
  • Door features: Storm Door(s)
  • Window features: Insulated Windows,Blinds,Screens
  • Flooring: Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Great Room,Ventless
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,755

Foyer

  • Level: First

Great Room

  • Level: First

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Ceiling Fan(s),Electric,Exhaust Fan,Heat Pump

Interior Area

  • Total structure area: 1,755
  • Total interior livable area: 1,755 sqft

Kitchen

  • Level: First

Master Bathroom

  • Level: First

Master Bedroom

  • Level: First

Other

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 38128350

Features

  • Levels: One
  • Exterior features: Garden
  • Fencing: Privacy,Wood
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 7,318 sqft
  • Features: Landscaped

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

  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
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 $2,199$26,388
Home Insurance *$157$1,884
Property Taxes $451$5,412
Electricity $154$1,850
Total$2,961$35,532
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,520/yr
40% on housing$88,830/yr
45% on housing$78,960/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

$248This listing

vs Other Active Listings

Avg $/sqft

ZIP 40509$193
Fayette County$245

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
2026-08-02Price change$435,000
2026-06-29Price change$450,000
2026-06-01Listed for sale$465,000
2015-04-30Sold$192,500
2015-03-30Pending sale$196,500
2015-03-20Listed for sale$196,500
2005-04-28Sold$189,900

For Sale by Agent

AgentBilly Van Pelt
BrokerageJustice Real Estate

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