129 Morgan Mill Rd, Georgetown, KY, 40324
About This Home
Price adjustment: Motivated sellers. This well-built custom home, designed by a well-respected engineer as his personal residence is on the market for the first time. The property features 2.72 acres of mature landscaped gardens, private creekfront access to Elkhorn Creek, a detached workshop with electricity (including 220V outlet), heat, and unfinished bath, two large covered porches, as well as a screened-in porch, and covered RV parking with electric, water, and sewer connections. The home boasts nearly 3400 square feet of finished living area, with an additional 2900 square foot unfinished basement, and over 1000 square feet of unfinished potential on the second floor, all providing endless opportunities for a large or growing family. The three-car garage with extra workspace is 1,084 square feet providing ample parking and storage. This home is truly a one-of-a-kind property with convenient access to Downtown Georgetown, Toyota, I-75, dining, and shopping.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2004
Materials
- Foundation: Concrete Perimeter
- Roof: Dimensional Style
- Construction materials: HardiPlank Type,Stone
Type & Style
- Home type: SingleFamily
- Architectural style: Cape Cod
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Gas Range,Microwave,Refrigerator,Cooktop,Oven,Range,Vented Exhaust Fan
- Laundry features: Electric Dryer Hookup,Washer Hookup,Lower Level
Basement
- Has basement: Yes
- Basement: Bath/Stubbed,Unfinished
Bathroom1
- Level: First
Bathroom2
- Level: First
Bedroom1
- Level: First
Bedroom2
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Central Vacuum,Entrance Foyer,Walk-In Closet(s),Ceiling Fan(s),Soaking Tub
- Window features: Insulated Windows,Window Treatments,Blinds
- Flooring: Carpet,Ceramic Tile,Hardwood
- Number of fireplaces: 1
- Fireplace features: Great Room,Insert
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 3,446
Great Room
- Level: First
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 3,446
- Total interior livable area: 3,446 sqft
Kitchen
- Level: First
Master Bathroom
- Level: First
Master Bedroom
- Level: First
Other
- Level: Second
Utility Room
- Level: First
Property
Details
- Parcel number: 19010084.000
- Other equipment: Intercom
Features
- Levels: One and One Half
- Exterior features: Garden
- Fencing: Wire
- Has view: Yes
- View description: Trees/Woods,Neighborhood,Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterbody name: Elkhorn Creek
Lot
- Lot size: 2.72 Acres
- Features: Landscaped,Many Trees
Parking
- Total spaces: 7
- Parking features: Attached Garage,Detached Carport,Detached Garage,Driveway,Garage Door Opener,Other,Garage Faces Side
- Has garage: Yes
- Attached garage spaces: 6
- Covered spaces: 7
- Has uncovered spaces: Yes
- Carport: Yes
- Carport spaces: 1
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
- Strong Wind
- Cold Wave
- Inland Flooding
- Lightning
- Tornado
- Winter Weather
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 | $3,918 | $47,016 |
| Home Insurance * | $331 | $3,972 |
| Property Taxes | $768 | $9,216 |
| Electricity | $272 | $3,265 |
| Total | $5,289 | $63,468 |
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 |
|---|---|---|
| 2026-08-05 | Price change | $715,000 |
| 2026-06-11 | Price change | $774,900 |
| 2026-05-22 | Listed for sale | $850,000 |
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