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For sale
  • $395,000

    3445 Mill Creek Rd, Owingsville, KY 40360

    1beds
    0baths
    1,200sqft
    : 
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    Single Family Residence
    Built in 2015
    16 Acres Lot
    $368,500 Zestimate®
    $329/sqft
    $-- HOA

    What's special

    Well insulated for efficiencySpacious family roomLarge pantry
    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.
    71 days
    |
    136
    |
    17
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Jill C Ratliff 606-356-1393,

    Paragon Realty Partners

    Source: Imagine MLS,MLS#: 26009025MLS Logo

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      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

        $368,500

        $350,000 - $387,000

        $1,337/mo

        Price history

        DateEventPrice
        4/24/2026Listed for sale$395,000-14.1%$329/sqft
        Source: Imagine MLS #26009025 Report a problem
        2/3/2026Listing removed$459,900$383/sqft
        Source: Imagine MLS #25505928 Report a problem
        11/12/2025Listed for sale$459,900$383/sqft
        Source: Imagine MLS #25505928 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        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

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: 40360

        Getting around

        0 / 100
        Car-Dependent
        23 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        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.

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