Rural Homes with Concrete Basement

Welcome home to this beautifully remodeled 3-bedroom, 1-bath home, updated in 2024 and perfectly situated on a level 0.60-acre lot. Conveniently located just minutes from both Ferguson and Somerset, you'll enjoy the perfect balance of easy access to shopping, dining, schools, and everyday conveniences. Whether you're a first-time homebuyer, a growing small family, or looking to simplify with one-level living, this home offers the comfort and convenience you've been searching for. Inside, you'll find tasteful updates throughout, while the full unfinished walkout basement provides endless possibilities for storage, a workshop, or future expansion. Additional highlights include a recently installed HVAC system, a recently updated bathroom, a durable metal roof, and low-maintenance brick and vinyl construction. With its thoughtful updates, functional layout, spacious flat yard, and convenient location, this move-in-ready home is one you won't want to miss!

102 Walnut St, Ferguson

$359,000

3 Beds ⋅ 4 Baths ⋅ 26017581 MLS

Attention lake lovers and investors! This home offers so much living space and would make the perfect lake house or short term rental being only one mile to Cumberland Point Boat Ramp and overlooking Conley Bottom Marina! Featuring an extra large living room with bonus office area, eat-in kitchen with pantry, laundry room, primary and guest bedroom and 3 bathrooms on the main level. Enjoy the view of Lake Cumberland from the screened-in covered deck with ceiling fans. The basement offers a bedroom, bathroom, bar area, living room, bonus room that could be a hobby room or office and an attached two car garage with lots of built-in shelving. Bring all the boats and lake toys because there is a 4-bay pole barn with EV charger. Off the pole barn is ANOTHER covered deck and circle driveway. There is an additional detached garage/workshop. What an amazing property- this will not last!

8882 Hwy 761, Nancy

$339,000

3 Beds ⋅ 2 Baths ⋅ 26017376 MLS

Welcome home to this beautiful 3-bedroom, 2-bath stone and wood residence offering approximately 2,924 square feet of living space on a private, wooded 0.74 acre lot. Designed for both comfort and entertaining, this home features granite countertops, beautiful hardwood, carpet, and marble flooring, along with 2 inviting fireplaces that create a warm and welcoming atmosphere. The spacious primary suite is tucked away in its own private wing, providing a peaceful retreat. Enjoy your own private deck directly off the bedroom, along with a luxurious ensuite bath featuring his-and-her sinks, a makeup vanity, walk- in shower, whirlpool tub, and an oversized walk-in closet. The large recreation room with a built-in bar offers endless possibilities and could easily be converted into a 4th bedroom, home office, or media room. An unfinished basement provides abundant storage or perfect for aa home gym. Step outside to a fenced backyard surrounded by mature trees, offering privacy and space for outdoor enjoyment. Conveniently located just steps from Somersport Park, the hospital, schools, shopping, and restaurants, this exceptional property combines a tranquil; setting with easy access to everything Somerset has to offer.

101 Cory Ln, Somerset

$380,000

3 Beds ⋅ 3 Baths ⋅ 26003972 MLS

Situated on Pumpkin Creek Circle, this cabin offers an unbeatable location near Lake Cumberland State Resort Park and just minutes from Rowena Landing. Enjoy quick access to the water, nearby trails, and all the recreational opportunities that make Lake Cumberland one of the top lake destinations in the country. Ideal for both personal use or investment...short term rentals are welcome. Whatever your goal, this property puts you right where you want to be. 3 bedrooms, 1 on main level with full bath and 2 bedrooms upstairs with a full bath. Open kitchen and living concept. big wrap around porch with the back screened in. Full basement that can be finished for more living space and already plumbed for a bathroom. Spend the day on the water and fun around the fire-pit with neighbors in the evening. Close-nit community adds to the fun and memories

255 Pumpkin Creek Cir, Jamestown

$230,000

3 Beds ⋅ 2 Baths ⋅ 26015930 MLS

Welcome to this charming 3-bedroom, 2-bath home in one of Somerset's most desirable locations! Situated on North Main Street, you'll enjoy the convenience of being just minutes from the heart of downtown, with shopping, dining, local events, and entertainment practically at your doorstep. Relax on the inviting front porch and take in the classic Main Street views, or enjoy the additional living space offered by the partially finished basement—perfect for a home office, gym, or recreation area. Whether you're looking for a primary residence or a home in a prime location, this property offers comfort, convenience, and endless potential in the heart of Somerset.

519 N Main St, Somerset

$365,000

3 Beds ⋅ 3 Baths ⋅ 26011004 MLS

Situated on Pumpkin Creek Circle, this cabin offers an unbeatable location near Lake Cumberland State Resort Park and just minutes from Rowena Landing. Enjoy quick access to the water, nearby trails, and all the recreational opportunities that make Lake Cumberland one of the top lake destinations in the country. Ideal for both personal use or investment...short term rentals are welcome. Whatever your goal, this property puts you right where you want to be. 3 bedrooms, 1 on main level with full bath and 2 bedrooms upstairs with a full bath. Open kitchen and living concept. big wrap around porch with the back screened in. Full basement that can be finished for more living space and already plumbed for a bathroom. Spend the day on the water and fun around the fire-pit with neighbors in the evening. Close-nit community adds to the fun and memories

495 Pumpkin Crk Cir, Jamestown

$399,900

5 Beds ⋅ 4 Baths ⋅ 26011396 MLS

**Beautifully Renovated 5-Bedroom Home in Somerset, KY - Minutes from Lake Cumberland** Welcome home to this beautifully renovated **5-bedroom, 3.5-bath** residence in **Somerset, Kentucky**, where modern upgrades, spacious living, and an unbeatable location come together. Offering the perfect balance of everyday comfort and easy access to **Lake Cumberland**, this home is ideal for anyone looking to enjoy all that Somerset has to offer while staying just minutes from boating, fishing, and outdoor recreation. Step inside to discover a thoughtfully redesigned interior featuring **engineered hardwood floors**, custom finishes, and an inviting open-concept layout that's perfect for both everyday living and entertaining. The stunning kitchen is truly the heart of the home, showcasing gorgeous **quartz countertops**, a beautiful **wood ceiling**, brand-new **stainless steel appliances**, and an oversized island with seating for six. Whether you're preparing weeknight dinners, hosting holiday gatherings, or enjoying your morning coffee, this space was designed to bring everyone together. A large walk-in pantry provides exceptional storage, while the oversized walk-in laundry room adds convenience to daily life. The spacious living room offers a warm, welcoming atmosphere centered around a modern **electric fireplace**, creating the perfect place to relax with family and friends. The desirable **split-bedroom floor plan** provides privacy for the primary suite while keeping four bedrooms conveniently located on the main level. The spacious primary bedroom features a luxurious ensuite bath with **quartz countertops**, a beautiful walk-in tiled shower, and an oversized walk-in closet. The hall bathroom has also been updated with matching quartz finishes, giving the home a cohesive, upscale feel throughout. Downstairs, the partially finished basement offers incredible flexibility for today's lifestyle. Enjoy movie nights in the impressive theater room, complete with an **85-inch television that conveys with the home**. The lower level also includes a spacious fifth bedroom with its own sitting area, a third full bathroom, and a bonus room that's perfect for a home office, workout space, playroom, or gaming room. Outdoor living is equally inviting with a **two-tier patio** designed for entertaining and relaxing. The upper level is covered and enclosed for additional privacy, while the lower patio provides easy access to the backyard and driveway, making it an ideal space for cookouts, family gatherings, or simply enjoying a quiet Kentucky evening. Additional upgrades include **two HVAC systems** for efficient climate control on each floor, a **new metal roof**, and a **new circular driveway** with plenty of room for multiple vehicles, boats, campers, and trailers. Located in one of Somerset's most convenient areas, you'll enjoy quick access to schools, shopping, restaurants, healthcare, and local attractions while being **less than eight minutes from Burnside Marina and three public boat ramps on Lake Cumberland**. Spend your weekdays enjoying the conveniences of town and your weekends making memories on one of Kentucky's most popular recreational lakes. If you've been searching for a **move-in-ready home in Somerset, KY** with room to grow, high-end finishes, and a location that offers both convenience and outdoor adventure, this exceptional property is ready to welcome you home. Agent/Owner

530 Parkers Mill Rd, Somerset

$445,000

3 Beds ⋅ 3 Baths ⋅ 26013033 MLS

Tucked away at the end of a quiet dead-end road, this one-owner custom log home offers the perfect blend of privacy, comfort, and lake living. Built in 2009 and meticulously maintained, this move-in-ready home features 3 bedrooms, 3 full baths, a full basement, and two cozy gas fireplaces—perfect for relaxing. Sitting on a peaceful wooded lot, you'll enjoy the feeling of your own private retreat while being just steps from Lake Cumberland. A gentle branch borders the property, leading to the lake less than 300 feet away, with beautiful seasonal lake views to enjoy throughout the year. Features: • 3 Bedrooms | 3 Full Bathrooms • Full Basement with Endless Possibilities • 2 Gas Fireplaces • Some Furnishings Included • Custom Built in 2009 • One Owner Home • Private Wooded Setting • Seasonal Lake Views • Move-In Ready Whether you're looking for a full-time residence, a weekend getaway, or an investment near Lake Cumberland, this charming log home checks all the boxes. Bring your bear skin rug, rocking chairs, your morning coffee, and your love for nature—this is the peaceful Kentucky retreat you've been dreaming of.

60 First St, Somerset

$399,900

3 Beds ⋅ 3 Baths ⋅ 26008458 MLS

Enjoy peaceful country living with this charming mini farm on 3.5 acres of unrestricted land, complete with apple trees and an established asparagus bed. The two-story home features three bedrooms, 2.5 baths, a comfortable living and dining area, and a cozy family room with a wood-burning fireplace. Main-level laundry adds convenience, while the screened-in back porch offers relaxing views of the surrounding land. A full, poured, walk-out basement provides plenty of additional space, including the potential for a fourth bedroom, office, or recreation area. This well-maintained, one-owner property also includes an attached two-car garage and a versatile shed/workshop-perfect for storage, hobbies, or your mini farm needs.

2109 Nelson Valley Rd, Science Hill

$479,900

3 Beds ⋅ 3 Baths ⋅ 26010013 MLS

Motivated Seller! This well-maintained, fully updated 3 Bed, 3 Bath home offers an impressive 3,760 square feet of finished living space, with 1,880 sq ft above grade and an additional 1,880 sq ft in a fully finished walkout basement. It is sitting on 8.64 acres! It is a wonderful family home, it could be a fun vacation home and would be a business opportunity for an Air B&B, VRBO, or even double your rental income since there is a full apartment in the basement. This property is excellent for hunting! Close to the lake for fishing and boating! Welcome to your private retreat at 11279 Kentucky Highway 196 in Nancy, KY—where comfort, space, and nature come together beautifully. Whether you need room to grow, entertain, or create a multi-generational setup, this home delivers. Surrounded by peaceful countryside, you'll enjoy watching deer, birds, and other wildlife right from your front porch or back patio, with scenic views of farmland, trees, and rolling hills. Inside, the home features granite countertops throughout the kitchen and bathrooms, along with a thoughtfully designed basement that includes a second kitchen and plenty of space for additional bedrooms or living quarters—perfect for guests or extended family. The poured concrete basement offers both walkout and walk-up access, adding convenience and durability. Car enthusiasts and outdoor lovers will appreciate the abundance of garage space, including an attached garage, detached garage, and basement garage—accommodating up to five vehicles. Recent updates provide peace of mind, including a brand-new HVAC system installed in April 2026 (with warranty) and a new, 1 year old Metal Roof (with warranty). For lake lovers, you're just minutes from multiple boat ramps—one less than a mile away and another within three miles—making it easy to enjoy the water anytime. This is a rare opportunity to own a move-in-ready home with space, privacy, and modern updates in a beautiful setting.

11279 Kentucky, Nancy

$799,000

7 Beds ⋅ 5 Baths ⋅ 24016670 MLS

Located in a desirable area of Somerset, Kentucky, this exceptional custom-built home at 217 North Cave Springs Road offers the perfect combination of luxury, space, privacy, and efficiency. Situated on approximately 6.7 acres in a private setting, this remarkable property provides the peaceful atmosphere you've been searching for while still being conveniently close to town and Lake Cumberland amenities. Built only 4 years ago, this impressive home features approximately 6,100 square feet of living space with 7 bedrooms and 6 full bathrooms, making it ideal for large families, multi-generational living, entertaining, or anyone needing extra space. From the moment you walk inside, you'll notice the quality craftsmanship, spacious design, and upscale finishes throughout. The stunning kitchen is a true centerpiece of the home, complete with gorgeous granite countertops, high-end appliances, abundant cabinetry, and plenty of room for gathering with family and friends. The open-concept living areas offer exceptional natural light and a warm, inviting atmosphere perfect for everyday living or hosting guests. The oversized primary suite provides a relaxing private retreat, while the additional bedrooms and bathrooms offer comfort and flexibility for guests, offices, recreation rooms, or growing families. Every inch of this home was thoughtfully designed with both luxury and practicality in mind. Step outside and enjoy the beauty and privacy of the surrounding acreage. The property also features a barn with a concrete floor, offering outstanding space for equipment, hobbies, workshop use, storage, or recreational needs. Adding even more value is the grid-connected solar system that virtually pays the electric bills, providing tremendous energy efficiency and long-term savings. With acreage, modern construction, luxury finishes, energy-efficient features, and a highly desirable private setting, this property is truly a rare find in the Somerset market. Enjoy the best of both worlds — peaceful country living with convenient access to shopping, dining, schools, and outdoor recreation near Lake Cumberland. Schedule your private showing today and experience everything this incredible property has to offer.

217 N Cave Springs Rd, Somerset

$375,000

4 Beds ⋅ 3 Baths ⋅ 26005589 MLS

BACK ON THE MARKET!!!!Beautiful, lightly secluded 4-bedroom, 3-bath brick home offering space, versatility, and unique features for both comfort and functionality. This property includes a partially finished basement, along with a large unfinished room that can easily be completed to add even more living space. The spacious primary bedroom features a private sitting area and a walkout sliding door leading to the deck—perfect for enjoying peaceful mornings or relaxing evenings. The basement is equipped with a window A/C unit and baseboard heating, and also includes a flue cleanout, making it ready for a wood-burning stove or gas heating option. A standout feature of this home is the walk-in cooler—ideal for wild game enthusiasts, homesteaders, or anyone interested in processing and storing their own meat. Located less than one mile from a public boat launch, this property is perfect for outdoor lovers. Additional highlights include: •A walkout basement with a full kitchen, full bath with laundry room and 2 full size bedrooms. A detached 2-bay garage with 10-foot-high doors, underground electric, and a separate meter • An attached workshop or game room, perfect for hobbies or entertaining • An additional outbuilding that can serve as a workshop with side storage for boats, ATVs, mowers, or equipment This property offers a rare combination of privacy, practicality, and recreational convenience—making it a must-see! New flooring in basement living area.

815 Jr Phipps Rd, Monticello

Rural Homes with Concrete Basement

Newest Rural Homes with Concrete Basement