Discover the perfect blend of functionality, freedom, and rural beauty with this exceptional 16-acre property designed for both comfortable living and working land that is ideally located approximately 9 miles from Owingsville and I-64, 15 miles from Mt. Sterling, and just 16 miles from Cave Run Lake near Morehead. The acreage is beautifully cleared, fenced, and a mix of flat and gently rolling terrain—making it ideal for cattle, horses, and other livestock. A peaceful creek meanders through the property, perfect for exploring on hot summer days while adding natural charm and a true country feel. Equestrians and hobby farmers will appreciate the impressive 70' x 36' stable barn featuring 11 stalls, a wash bay, hay lofts, and a tack room, along with additional nearby storage for equipment and supplies. The land is thoughtfully laid out for easy access and efficient use. The approximately 1,200 square foot home is single level with durable metal exterior and interior finishes and is well insulated for efficiency. Inside, a spacious family room offers flexibility and could be divided to create an additional bedroom if desired. A large pantry and mudroom provide excellent everyday functionality. The home is well-suited for off-grid living as it stands, while also offering the opportunity to modernize to suit your preferences. Adding even more versatility is a 40' x 24' workshop making it perfect for woodworking, tool storage, or potential conversion to additional living quarters. The workshop includes a refrigerated unit powered by a diesel reefer unit, making it ideal for specialized uses or food storage needs. Whether you're seeking a working farm, an off-grid lifestyle, or a property with room to grow and customize, this unique property delivers space, infrastructure, and endless potential while remaining conveniently close to town, interstate access, and outdoor recreation.
For sale
$395,000
3445 Mill Creek Rd, Owingsville, KY 40360
1beds
0baths
1,200sqft
Single Family Residence
Built in 2015
16 Acres Lot
$368,200 Zestimate®
$329/sqft
$-- HOA
What's special
Well insulated for efficiencySpacious family roomLarge pantry
- 167 days
- 103
- 7
Zillow last checked:
Listing updated:
Listed by:
Jill C Ratliff 606-356-1393,
Paragon Realty Partners Central & Eastern KY
Source: Imagine MLS,MLS#: 26009025
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 1
- Bathrooms: 0
Primary bedroom
- Level: First
Family room
- Level: First
Kitchen
- Level: First
Other
- Description: Pantry
- Level: First
Other
- Description: Mud Room
- Level: First
Heating
- Coal
Features
- Flooring: Laminate
- Has basement: No
- Has fireplace: No
Interior area
- Total structure area: 1,200
- Total interior livable area: 1,200 sqft
- Finished area above ground: 1,200
- Finished area below ground: 0
Property
Parking
- Parking features: Driveway
- Has uncovered spaces: Yes
Features
- Levels: One
- Exterior features: Garden
- Fencing: Wood,Wire
- Has view: Yes
- View description: Rural, Mountain(s), Farm
Lot
- Size: 16 Acres
Details
- Additional structures: Barn(s), Shed(s), Workshop
- Parcel number: 04600 00 008.08/046.00 00 008.05
- Horses can be raised: Yes
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Metal Siding
- Foundation: Slab
- Roof: Metal
Condition
- Year built: 2015
Utilities & green energy
- Sewer: Septic Tank
- Water: Public
- Utilities for property: Water Connected
Community & HOA
Community
- Subdivision: Rural
HOA
- Has HOA: No
Location
- Region: Owingsville
Financial & listing details
- Price per square foot: $329/sqft
- Tax assessed value: $128,875
- Annual tax amount: $1,607
- Date on market: 4/24/2026
Estimated market value
$368,200
$350,000 - $387,000
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 4/24/2026 | Listed for sale | $395,000-14.1%$329/sqft |
Source: | ||
| 2/3/2026 | Listing removed | $459,900$383/sqft |
Source: | ||
| 11/12/2025 | Listed for sale | $459,900$383/sqft |
Source: | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $1,607 | $128,875 |
| 2024 | $1,607 +0.9% | $128,875 |
| 2023 | $1,593 +6% | $128,875 |
| 2022 | $1,503 +1.4% | $128,875 |
| 2021 | $1,482 +0.8% | $128,875 |
| 2020 | $1,471 +37.1% | $128,875 +46.4% |
| 2019 | $1,073 +384.9% | $88,000 +388.9% |
| 2018 | $221 | $18,000 |
| 2017 | -- | $18,000 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
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Neighborhood: 40360
Nearby schools
Schools provided by the listing agent
- Elementary: Owingsville
- Middle: Bath Co
- High: Bath Co
Source: Imagine MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.





