Rural Homes with Finished Basement

Rural Homes with Finished Basement

Welcome to the serene charm of rural Kentucky, where the beauty of nature meets the warmth of community living. Nestled in this picturesque landscape, our subdivision offers an idyllic escape from the hustle and bustle of city life, making it the perfect place to call home.

Imagine waking up to the gentle sounds of nature, surrounded by sprawling fields and lush greenery. Our homes, featuring finished basements, provide an abundance of space and versatility, allowing you to create the perfect retreat for family gatherings, a home office, or even a cozy entertainment area. Each residence is thoughtfully designed to blend comfort with functionality, ensuring that your living experience is as delightful as the stunning surroundings.

The charm of rural Kentucky extends beyond the homes themselves. This tranquil community fosters a strong sense of belonging, where neighbors become friends and local events bring everyone together. Enjoy leisurely strolls along scenic paths, or take advantage of nearby parks and recreational areas that invite you to embrace the great outdoors.

With easy access to local amenities, including quaint shops and farm-to-table dining, you’ll find everything you need just a short drive away. Whether you’re sipping sweet tea on your porch or exploring the natural beauty of the rolling hills, life in this rural subdivision offers a perfect blend of relaxation and adventure.

Come discover your dream home in rural Kentucky, where finished basements provide extra room for your ideas, and the tranquility of the countryside awaits you. Experience the charm of community living today!

Newest Rural Homes with Finished Basement

3 Beds ⋅ 3 Baths ⋅ 26025211 MLS

Located in Pulaski County, Kentucky, this 8+ acre horse property combines a spacious home, rolling pasture, established fencing, a four-stall horse barn and multiple outbuildings in a quiet country setting. Convenient to Somerset and the Lake Cumberland area, the property offers room for horses, livestock, equipment and a variety of recreational uses while remaining within easy reach of shopping, dining and everyday services. The residence offers approximately 2,500 square feet of finished living space with three bedrooms, three bathrooms and an additional loft area. The layout provides a combination of comfortable living areas and flexible space that could be used for a variety of purposes. One of the notable features of the home is approximately 590 square feet of porch space. The porch includes an outdoor fireplace, creating an additional area for relaxing, dining or spending time outdoors throughout different seasons of the year. From the home and surrounding property, the rolling landscape and pasture contribute to the property's rural setting. Some listing photographs include AI-staged furniture to help illustrate potential furniture placement and use of the interior spaces. The AI-staged furnishings shown in those photographs are not physically present in the home and are not included with the property. For buyers looking for a property suitable for horses, much of the acreage is already fenced. Some interior fencing includes electric fencing, providing established areas that may be useful for pasture management. The scenic rolling pasture provides open ground for horses, while the layout of the property places the horse facilities conveniently below the residence. A metal horse barn includes four stalls along with additional space for equipment, tack and other agricultural or property-maintenance needs. The barn's location in relation to the pasture and residence provides convenient access for routine horse care and property management. In addition to the horse barn, the property includes a separate two-car garage with more than 800 square feet. This structure provides substantial space for vehicles, equipment, tools, storage or recreational gear. An additional open-sided metal building provides further covered space that may be used for equipment, trailers, hay or other storage needs. The property also includes a designated chicken area, adding another agricultural component for buyers interested in maintaining chickens or small-scale livestock. With the combination of pasture, fencing, barn facilities and multiple outbuildings, the acreage offers an established foundation for a variety of rural property uses. Wildlife is also part of the setting. Whitetail deer and other wildlife have been observed on and around the property, adding to the rural character of the acreage. The combination of open pasture, surrounding vegetation and the broader Pulaski County landscape provides habitat for wildlife common to this part of Kentucky. For buyers searching for a horse property or small acreage farm in Pulaski County, this 8+ acre tract offers a combination of residential space and established infrastructure. The approximately 2,500-square-foot home, three bedrooms, three bathrooms, loft, large porch with outdoor fireplace, four-stall horse barn, detached two-car garage, additional metal building, fencing and rolling pasture provide many of the features associated with a manageable Kentucky horse property. Whether the acreage is used for horses, livestock, recreation or simply additional space around a country home, the existing improvements provide multiple options for future use. Its location near Somerset and the Lake Cumberland area adds convenient access to services and recreation while maintaining the property's country setting.

1975 Cherry Grove Rd, Somerset

4 Beds ⋅ 4 Baths ⋅ 26024750 MLS

**Stunning New Construction in the newly developed Mercato Subdivision!** This beautifully designed home offers the perfect combination of modern style, quality finishes and a fantastic location just minutes from a boat ramp and beautiful Lake Cumberland. Step inside to a spacious 4-5 Bedroom 3.5 Bath open floor plan filled with impressive details, including coffered ceilings, LVP flooring, wainscoting and gorgeous modern fixtures throughout. The beautiful kitchen is the heart of the home, featuring stylish cabinetry, quartz countertops, a large center island and plenty of space for entertaining. The thoughtfully designed split-bedroom floor plan offers both privacy and functionality, while the spacious living areas provide an inviting place to relax or gather with family and friends. Outside, you'll love the beautiful, covered back porch, perfect for enjoying quiet mornings or evenings outdoors. Located in one of the area's newest developments and super convenient to the lake and boat ramp, this gorgeous new home offers style, comfort and location all in one. Beautifully finished, move-in ready and an absolute must-see!

32 Mercato Dr, Somerset

3 Beds ⋅ 2 Baths ⋅ 26024168 MLS

Welcome to 211 L Hancock Road in Columbia, KY! This beautifully upgraded 3-bedroom, 2-bath split-level home offers the perfect blend of comfortable living, usable acreage, and outdoor amenities. Situated on 3.17 acres of beautiful, mostly flat land, this property gives you plenty of room to spread out while still being conveniently located. Inside, you'll find a well-maintained and thoughtfully upgraded home with spacious living areas and a large bonus room that offers endless possibilities. Use it as a family room, home office, playroom, gym, or additional entertaining space. The layout provides plenty of flexibility for everyday living and hosting guests. Step outside and enjoy the expansive property, where the flat, usable acreage provides plenty of space for recreation, gardening, animals, or simply enjoying the peace and privacy of your own land. An above-ground pool offers the perfect spot to cool off and relax during the warmer months. Multiple sheds and an additional building are included with the sale, providing excellent storage and workspace options for hobbies, equipment, lawn tools, or a workshop. With its upgraded interior, spacious bonus room, 3.17 acres, pool, and multiple outbuildings, this property offers a rare combination of comfort and usable land. Come see all that 211 L Hancock Road has to offer!

211 L Hancock Rd, Columbia

5 Beds ⋅ 5 Baths ⋅ 26023944 MLS

Spectacular custom-built estate offering over 5,800 finished sq. ft. on 25 picturesque acres with two stocked ponds, a beautifully refurbished barn, and exceptional outdoor entertaining spaces. This impressive 5-bedroom, 4-bath home showcases hardwood flooring, crown molding, detailed trim work, recessed lighting, vaulted ceilings, custom built-ins, and two gas fireplaces. The spacious eat-in kitchen features stunning maple cabinetry with interior lighting and glass accents, granite countertops, a large island with JennAir cooktop, trash compactor, and stainless steel appliances. The primary suite includes a gas fireplace and an ensuite bath with a solid-surface shower. Outdoor living is unmatched with a 13' covered pergola, built-in charcoal grill, dining area, and gorgeous stone fireplace. Additional highlights include front and side porches, attached garages on both the main and lower levels, extensive landscaping, and a finished walkout basement with kitchenette that offers excellent potential for a mother-in-law suite or guest quarters. A rare opportunity to own a private retreat that combines luxury, functionality, and natural beauty.

1270 Nubbin Ridge Rd, Somerset

4 Beds ⋅ 2 Baths ⋅ 26022755 MLS

Situated on a 1-acre lot with a fenced backyard, this 4-bedroom, 2-bath home offers 2,340 sq. ft. of finished living space and has been completely remodeled from top to bottom. The main level features two bedrooms, one full bath, a living room, and a fully updated kitchen with granite countertops and brand-new appliances (Range installed this week). The walkout basement offers two additional bedrooms, one full bath, a spacious den/second living area, laundry room, and large walk-in storage closet. Additional features include LVP flooring throughout, a brand-new deck, a mini-split system downstairs, and a heat pump upstairs. Practically new on the inside and conveniently located just 12 miles from Pulaski County High School, this home is truly move-in ready.

190 Alexander Rd, Somerset

3 Beds ⋅ 3 Baths ⋅ 26022178 MLS

FOURTY THOUSAND DOLLAR PRICE REDUCTION!!! MOTIVATED SELLERS and IMMEDIATE POSSESSION!! Welcome to this exceptional custom-built ranch home nestled on a private, beautifully maintained 1-acre lot overlooking the tranquil waters of Pitman Creek in the southeastern portion of Pulaski County. Enjoy the rare combination of peaceful country living and everyday convenience—just minutes from downtown Somerset and a short drive to the recreational paradise of Lake Cumberland, with its endless opportunities for boating, fishing, and outdoor adventure. Spanning nearly 4,000 square feet of thoughtfully designed living space, this well-maintained and extensively upgraded home has been modernized throughout while preserving its solid 1970s craftsmanship. Move-in ready and remarkably versatile, it easily accommodates multi-generational living or even two families, thanks to the full finished basement with its own dedicated exterior entrance. Main Level The newly remodeled upstairs features an inviting open-concept layout with a spacious living room, dining area, and kitchen, complete with a pantry and guest bathroom. The primary suite offers an attached walk-in shower for everyday comfort. Three bedrooms are located on the main floor, along with laundry facilities for convenience. A regularly serviced chair lift provides easy access on the stairs. Two gas fireplaces create warm, welcoming gathering spaces. Outdoor Living & Grounds Step outside to an expansive 25' x 34' deck equipped with an outdoor kitchen—perfect for grilling and entertaining family and friends. The fully fenced backyard includes a fire pit for cool evenings and concrete raised beds ready for the passionate gardener. The entire yard is beautifully landscaped, professionally treated for pests, fertilized, and meticulously manicured. Timed exterior lighting enhances both curb appeal and security after dark. Finished Basement The lower level is a true highlight, offering a second living room, dining area, kitchen, and pantry. A dedicated home theater with comfortable seating creates the ideal space for movie nights. Two large storage rooms provide excellent organization, while two spacious bonus rooms can easily serve as bedrooms, offices, or a potential second master suite complete with a walk-in closet and large full bathroom. A wood-burning insert and gas heater keep the space cozy year-round. Unique Feature - Cistern / Potential Safe Room Attached to the home is a distinctive cistern that can be easily converted with a door through the basement, creating a secure safe room or additional storm shelter—an uncommon and valuable feature for peace of mind in this area. Security & Practical Amenities A modern active security system with cameras surrounds the entire home, providing comprehensive monitoring and protection. Additional features include a 2-car attached garage with storage, a separate 2-car detached garage (both with modern door openers), and laundry facilities on both levels. This one-of-a-kind property seamlessly blends privacy, natural beauty, modern comforts, and practical versatility. Whether you're seeking a peaceful retreat overlooking Pitman Creek, room for extended family, or a secure and flexible home just minutes from Somerset amenities and Lake Cumberland's recreational offerings, this residence delivers an exceptional lifestyle opportunity.

3839 Rush Branch Rd, Somerset

3 Beds ⋅ 3 Baths ⋅ 26021247 MLS

YEAR-ROUND LAKE CUMBERLAND VIEW • EXTENSIVELY UPDATED • MOVE-IN READY! PRIVACY! Welcome to 217 S. Riverwood Rd., Bronston, KY 42518—a beautifully maintained and extensively updated home offering an exceptional year-round view of Lake Cumberland! Built in 2002 and lovingly cared for, this 3-bedroom, 3-bath home offers approximately 2,765 sq. ft. of finished living space, with approximately 1,545 sq. ft. on the main level and another 1,220 sq. ft. of finished space on the lower level, all situated on a spacious .64-acre lot. The home underwent extensive updates in 2020, making it truly move-in ready. The completely remodeled kitchen features quartz countertops, KraftMaid cabinetry, subway tile backsplash, an eat-in bar, and new appliances. The open-concept kitchen, dining, and living areas provide an inviting space for entertaining and everyday living, with the living area opening directly onto the expansive back deck. One of the home's most impressive features is the two-level decking spanning the back of the home, providing plenty of room to relax, entertain, and take in the beautiful Lake Cumberland views. The upper deck was doubled in size in 2020, and the deck furniture can convey with the home. All three bathrooms were remodeled in 2020, including a handicap-accessible master bathroom on the main level. Additional 2020 improvements include new flooring, ceiling lights, ceiling fans, and a new front door. Custom blinds throughout the home add a finished touch. The lower level offers a wonderful great room, along with abundant storage. There are oversized closets throughout the home, including an impressive wall of built-in closets on the lower level—perfect for keeping everything organized. Major improvements include a new roof in 2021, HVAC system replaced in 2014, and water heater installed in 2015. A new security door was added to the lower level in 2025, and 25-year gutter guards were installed in 2025. Outside, the .64-acre property has been thoughtfully prepared for additional improvements. The front portion of the property has been leveled and prepared for a pole barn, and the land closer to the home has also been prepared for a garage addition, offering excellent potential for additional storage, parking, workshop space, or boat/toy storage. If you're looking for a turnkey Lake Cumberland property with a spectacular year-round view, extensive updates, abundant storage, multiple outdoor living spaces, and room to add a garage or pole barn, this one deserves a look! Come see why 217 S. Riverwood Rd. could be the perfect place to enjoy Lake Cumberland living year-round. (Furnishings are negotiable)

217 S Riverwood Rd, Bronston

3 Beds ⋅ 4 Baths ⋅ 26020849 MLS

Welcome to 4394 Rush Branch Road! Sitting on 4.6 acres! Space, quality, and functionality come together beautifully in this well-maintained 3-bedroom, 3½-bath brick home offering approximately 4,256 square feet of finished living space. With 2,728 square feet on the main level and an additional 1,528 square feet of finished space in the basement, there is room for everyone and everything! The roof is only 5 years old! The main level features a welcoming living room with high ceilings and beautiful hardwood flooring, a spacious den, dining room, utility room, and three huge bedrooms with large closets. The kitchen offers wood cabinetry and ceramic tile flooring, while brand-new carpet has been added in the bedrooms and dining room. The finished lower level has a10 ft. ceiling provides even more living space with luxury vinyl flooring, a full bathroom, and an open area that can easily be used as a family room, recreation area, home office, guest space, or whatever best suits your needs. The basement offers both walk-up and walk-out access, along with an abundance of storage. Car enthusiasts, boat owners, hobbyists, and those needing extra workspace will appreciate the two-car attached garage on the main level, plus an impressive 25' x 40' lower-level attached garage. No expense spared in this structurally sound home! Step outside and you'll discover a beautifully landscaped property with a nice back deck and an acre of land is designed with horse lovers in mind. The property includes a six-stall horse barn with trailer storage, wash rack, tack room, and hay storage. There is also pasture land and a plank fence with paddock areas, providing a wonderful setup for horses and other livestock. This home has been lovingly cared for and offers an exceptional combination of generous living space, multiple garages, finished basement space, extensive storage, and outstanding horse facilities. If you've been searching for a property that gives you room to live, work, store your belongings, and enjoy your animals, 4394 Rush Branch Road deserves a look!

4394 Rush Branch Rd, Somerset

4 Beds ⋅ 3 Baths ⋅ 26019959 MLS

PRICE REDUCTION! A Rare Opportunity in the Heart of Downtown Somerset! If you've been searching for a home with history, character, space, and an incredible location, 138 Crawford Avenue offers an opportunity that's becoming increasingly difficult to find. Situated on approximately one acre in downtown Somerset, this 1920s-era brick home has the charm and craftsmanship of another time—and is ready for someone with a vision to bring out its full potential. This is not a brand-new home, and it isn't pretending to be. It needs some love and additional updating, but that's also part of the opportunity. From the expansive covered front porch and original character to the generous rooms and mature setting, there is so much here to work with for a buyer who appreciates older homes and isn't afraid to make one their own. The home offers 4 bedrooms and 2.5 baths across three levels. Some improvements have already been completed, including an updated upstairs bathroom with tiled tub/shower. The finished walkout basement provides additional flexibility with a family room, fourth bedroom with closet, full bathroom, laundry room, wet bar, and its own entrance from the rear deck. Outside is where this downtown property becomes especially unique. Approximately one acre of property in the heart of Somerset provides space that's hard to duplicate this close to everything. Mature trees, established landscaping, walkways, outbuildings, a fenced backyard, spacious rear deck, and that wonderful covered front porch create the framework for something truly special. And then there's the location. Imagine being just minutes from Rocky Hollow Park, locally owned restaurants and coffee shops, bookstores, the library, boutiques, entertainment, festivals, farmers markets, and everything happening in historic downtown Somerset. Grab coffee, browse a bookstore, enjoy dinner downtown, visit the park, or attend a community event—all practically in your backyard. With approximately one acre, substantial living space, historic character, and an exceptional downtown location, 138 Crawford Avenue offers a combination you simply don't find every day. Buyer to verify all information and aspects of the property deemed important to Buyer.

138 Crawford Ave, Somerset

4 Beds ⋅ 2 Baths ⋅ 26018157 MLS

Conveniently located yet offering a private setting, this move-in ready 4-bedroom, 2-bath home combines comfort, functionality, and thoughtful updates throughout. The updated kitchen comes fully equipped with all appliances, and for added convenience, the washer, dryer, and all mounted TVs will convey with the home. Step outside and enjoy your own private retreat featuring a hot tub, fire pit, and plenty of space to relax or entertain. The property also includes two separate detached two-car garages, providing exceptional room for vehicles, storage, hobbies, or a workshop. Over the past two years, the home has received numerous quality improvement, providing added peace of mind and long-term value.

1862 Shopville Rd, Somerset

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

5 Beds ⋅ 4 Baths ⋅ 26016942 MLS

Welcome to 305 Beech Street, a truly special Tudor-inspired home tucked along year-round Elk Creek in the heart of Monticello. Located within the city limits, this 23 +/- acre unique property offers the convenience of town with the peaceful feel of country living. Lovingly designed and enjoyed for generations, it is a place filled with beauty, character, and history. A winding asphalt driveway shaded by mature dogwood trees and lined with carefully trimmed evergreens welcomes you home. Inspired by the owners' travels through Europe, the grounds feature expansive lawns, mature shade trees, and a beautiful formal French garden with brick-lined beds, statuary, boxwoods, flowering arches of Sweet Autumn Clematis, a vegetable garden, and an automated irrigation system. In the spring, hundreds of daffodils bloom throughout the property, while the shady creekside setting provides the perfect place for picnics, cookouts, and simply enjoying nature. Built of native mountain stone, stucco, and custom milled fir trim, the home reflects exceptional craftsmanship and timeless style. A two-level screened gazebo porch with sliding glass windows creates a wonderful space to enjoy in every season. Inside, soaring beamed ceilings, hand-painted details, custom stained glass, beautiful millwork, and Italian porcelain flooring create a warm and inviting atmosphere. The spacious great room is centered around a striking custom stone fireplace with a heatilator system and flows easily into the dining room overlooking Elk Creek. The kitchen is both beautiful and functional, featuring custom cabinetry, quartz countertops, a center island, walk-in pantry, GE Monogram dual-fuel six-burner range with double ovens, KitchenAid appliances, and a cozy bay window breakfast area with views of the creek. The main-level primary suite offers an 11-foot beamed ceiling, stone fireplace with gas logs, sitting area, private deck, large walk-in closet, and a luxurious bath with heated floors, double shower, and clawfoot soaking tub. A guest bedroom and bath are also conveniently located on the main level. Upstairs is an additional private suite with custom built-ins, dormer windows, abundant storage, and its own bath. The walk-out basement provides generous additional living space with a fireplace, recreation areas, two more bedrooms, including one with an en suite bath, and plenty of storage. Additional features include three separate HVAC systems, an automatic generator, oversized garage, city water and sewer, and a new roof installed in May 2026. Rich in local history and surrounded by natural beauty, 305 Beech Street is more than just a house. It is a place where memories have been made for generations and where the next owners will have the opportunity to enjoy a truly remarkable setting along Elk Creek. Convenient location near Lake Cumberland in South Central Kentucky!

305 Beech St, Monticello

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