$395,000
3445 Mill Creek Road, Owingsville, KY 40360
- 1
- beds
- 1,200
- sqft
- Single Family Residence
- Property type
- 2015
- Year built
- 16 acres
- Lot size
- $329
- Price / sq ft
- $0/mo
- HOA
Listing Description
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.
Listed by Paragon Realty Partners Central & Eastern KY · russell.paragonpartners@gmail.com
MLS #26009025 · Listing provided by![]()
Shelby & Drake JohnsonFive Pillars Team · eXp Realty
Home Details
- Property type
- Single Family Residence
- Year built
- Built in 2015
- Lot size
- 16-acre lot
- Price / sq ft
- $329 / sq ft
- HOA
- $0/mo HOA
Interior
- 1 bedrooms
- 0 bathrooms
- One
- Laminate
Property
- Single Family Residence
- 1,200 sq ft
- 16-acre lot
Construction
- Built in 2015
- Metal
- Heating: Coal
Show all home details
Interior
- Flooring
- Laminate
- Levels
- One
Exterior & parking
- Roof
- Metal
- Parking features
- Driveway
- Architectural style
- Ranch
Utilities & comfort
- Heating
- Coal
Services Availability
- Internet
- Not reported
- Utilities
- Not reported
- Parking
- Driveway
Property & Price History
| Date | Event | Price |
|---|---|---|
| Apr 24, 2026 | Listed for sale | $395,000 |
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Property Documents
See what the sellers have done to the property and what known issues they disclose.
Estimate Your Monthly PaymentMonthly payment
Estimated monthlyEst. payment
$2,517/mo
30-year fixed · 6.75% assumed rate
- Principal & interest
- $2,050
- Taxes
- $352
- Other costs
- $115
- $395,000
- Home price
- 20% · $79,000
- Down payment
- 6.75%
- Interest rate
- 30 years
- Loan term
Payment Breakdown
- Principal & interest
- $2,050
- Estimated property taxes
- $352
- Home insurance
- $115
- HOA
- $0
- Utilities
- Not included
Estimate only. Utilities not included.Illustrative estimate, not a loan offer. Taxes (1.07%/year) and insurance (0.35%/year) use assumptions; actual costs and available rates vary.
Adjust Payment Details
Payment Breakdown
- Principal & interest
- $2,050
- Estimated property taxes
- $352
- Home insurance
- $115
- HOA
- $0
- Utilities
- Not included
Illustrative estimate, not a loan offer. Taxes (1.07%/year) and insurance (0.35%/year) use assumptions; actual costs and available rates vary.
Travel Times and Accessibility
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- Walk Score
- —
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- Bike Score
- —
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Map and estimated drive times: Mapbox. Each route starts at this home. Times vary with conditions. Walk Score and Bike Score are unavailable.
Assigned Schools
Owingsville
Elementary School
Performance data is not available.
Source: MLS-reported school assignment; confirm with the district.
Bath Co
Middle School
Performance data is not available.
Source: MLS-reported school assignment; confirm with the district.
Bath Co
High School
Performance data is not available.
Source: MLS-reported school assignment; confirm with the district.
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Performance data is not available.
Source: MLS-reported school assignment; confirm with the district.
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Shelby & Drake JohnsonFive Pillars Team · eXp Realty