Rural Homes under $400,000

Rural Homes under $400,000

Welcome to the serene charm of rural Kentucky, where tranquility meets opportunity in a picturesque subdivision that feels like home. Nestled amidst rolling hills and lush landscapes, this inviting community offers a perfect escape from the hustle and bustle of city life. With a rich tapestry of nature surrounding you, residents can enjoy the beauty of each season, whether it’s the vibrant colors of fall or the gentle blooms of spring.

In this idyllic setting, you'll find a variety of homes priced under $400,000, making it an ideal choice for first-time buyers, growing families, or those looking to downsize without compromising on quality. Each property boasts unique character and modern amenities, ensuring comfort and style. Imagine cozy evenings spent on your front porch, sipping sweet tea while watching the sun set over the horizon, or weekend barbecues with friends and family in your spacious backyard.

The subdivision is not just about homes; it’s about a lifestyle. Enjoy the peace of mind that comes with wide-open spaces, friendly neighbors, and a strong sense of community. Explore nearby parks, hiking trails, and local farms, where you can embrace the rural lifestyle while still being conveniently located to essential amenities and services.

This is more than just a place to live; it’s a place to thrive. Discover the charm of rural Kentucky today and find your dream home in this welcoming subdivision – where your future awaits!

Newest Rural Homes under $400,000

992 Stonegate Dr, Burnside
$349,900
2 Beds ⋅ 1 Baths ⋅ 26027288 MLS
From the second you walk in the front door you'll be so happy you made the decision to own this lake home. It oozes lake home. The first whiff of cedar, the huge wall of windows looking out to the year round view of the lake, the soaring ceilings with the accompanying stone fireplace rising to the ceiling...all spell lake home. It'll be great fixing breakfast with that view from the kitchen. It is also just a short stroll down the path to the lake. It has also performed well as an Air BnB. Fully furnished and ready to go, just bring your toothbrush.

992 Stonegate Dr, Burnside
859 Wildrose Road, Mt Vernon
$325,000
3 Beds ⋅ 2 Baths ⋅ 26027262 MLS
859 Wildrose Rd and 0 Todd Branch Rd: These two parcels (055-00-037 and 068-00-019) are being offered together provide approximately 77 acres of gently rolling land in a beautiful country setting. The 47± acre parcel at 859 Wildrose Rd is fenced, while the 30± acre parcel at 0 Todd Branch Rd completes this peaceful rural property. The beauty unfolds as you come up the tree-lined driveway, where the landscape opens into a breathtaking view. With wooded areas, two natural springs, gently rolling hills, and deer, wild turkey, owls, and other wildlife frequently visiting, it's the kind of place that makes you want to slow down and stay awhile. A six-stall barn, formerly used for horses, adds to the possibilities. The property also includes a 1995 mobile home with approximately 1,280 square feet, three bedrooms, and two baths, along with an above-ground pool with a cabana and a storage building. Located approximately 11 miles from Mt. Vernon and 12 miles from Berea, this property offers privacy and room to spread out while still being within reach of town. An electric utility easement runs across the property. Whether you're looking for a farm, a private retreat, or a place to put down roots, come check out this view. You just may find it hard to leave! (Select listing photos, as labeled, have been digitally edited using AI to remove objects and help buyers visualize the potential of the space.)

859 Wildrose Road, Mt Vernon
385 Dripping Springs Rd Rd, Bronston
$369,000
3 Beds ⋅ 3 Baths ⋅ 26027250 MLS
LAKE LIFE. ROOM TO GATHER. SPACE FOR EVERYONE. AND POSSIBILITIES YOU WON'T FIND EVERY DAY! This is far from your typical lake property! Located in an unrestricted area approximately 1 mile from Echo Point Boat Ramp, this unique property offers incredible entertaining space, multiple guest accommodations, and plenty of room to enjoy lake life with family and friends. The 2-bedroom main home features a truly massive open entertaining area centered around a spacious kitchen with abundant cabinetry, multiple dining areas, bar seating, and plenty of room to gather, making this home perfectly suited for large family gatherings, weekend getaways, and entertaining a crowd. The home also features an attached exterior-access private suite with two full-size beds and its own private full bathroom, providing a comfortable and convenient space for overnight guests or extended family. Outside, the property continues to impress with a detached 30' x 50' garage featuring a concrete floor and drive-through garage doors, offering an abundance of space for boats, vehicles, lake toys, equipment, hobbies, and storage. And then there are the additional accommodations! The property includes four campers—three larger campers plus a very cool retro camper. Each camper has a functional bathroom, providing even more private sleeping and living space for family and guests. A unique outdoor shower/bathroom area adds another convenient feature for enjoying the outdoors and lake days. The outdoor living space is just as inviting, with swings stretching across the front of the property, creating a wonderful spot to sit and relax, with a nearby fire pit area perfect for evenings around the fire. With the lake within walking distance and the Echo Point Boat Ramp approximately 1 mile away, this property offers an incredible setup for those who want to spend their days on the water and their evenings gathered together. Whether you're looking for a private family lake retreat, a multi-generational getaway, a place to accommodate a large group, or potential short-term rental/guest accommodations, this property offers an incredible amount of flexibility. Unique doesn't begin to describe this property. Come see it for yourself!

385 Dripping Springs Rd Rd, Bronston
6777 E Hwy 92, Monticello
$279,000
2 Beds ⋅ 1 Baths ⋅ 26027200 MLS
Beautiful 46.5+/- acre farm conveniently located just minutes from Monticello, offering the perfect combination of country living and accessibility. The property features a 3-bedroom, 1-bath brick home with just over 2,500 square feet of living space, an unfinished basement, and an attached carport. The farm includes a nice barn and offers a desirable mix of open pasture and wooded acreage, providing plenty of opportunities for livestock, recreation, hunting, farming, or simply enjoying the peace and privacy of a country setting. With ample acreage, a spacious home, and a convenient location, this property offers a great opportunity to enjoy rural living while remaining close to town. Call today to schedule a private showing!

6777 E Hwy 92, Monticello
411 Boat Dock Rd, Somerset
$365,000
4 Beds ⋅ 3 Baths ⋅ 26027150 MLS
Lake Cumberland Living with Room for Everyone! Discover the perfect blend of space, versatility, and lake-lifestyle convenience in this spacious 3,375 sq. ft. brick home, featuring 4 bedrooms and 3 full baths. With gorgeous hardwood flooring and two gas fireplaces, this home offers warmth and comfort throughout every season. The fully finished walk-out basement includes a full kitchen, making it ideal for guest, Mother/Father in law suite, a second living area, or an income-producing rental. The possibilities are endless! Move-in Ready and windows are only 3 years old. Outside, you'll find an oversized detached 3-bay 40*50 garage, Large separate workshop 38*24 with roughed-in bathroom, Bonus room upstairs, plus two storage sheds, providing plenty of room for boats, vehicles, lake toys, and equipment. A covered patio and gazebo create the perfect setting for relaxing or entertaining after a day on the water. Best of all, you're just minutes from Lake Cumberland, multiple boat ramps, and area marinas, making it easy to get out on the water and enjoy everything Lake Cumberland has to offer.

411 Boat Dock Rd, Somerset
111 Cabin Dr, Russell Springs
$184,000
2 Beds ⋅ 1 Baths ⋅ 26027116 MLS
LOCATION, LOCATION, LOCATION!! - This cozy lake retreat with a seasonal lake view is less than 1/2 mile from beautiful Lake Cumberland and Lake Cumberland Marina. Tucked away in the woods this well maintained cabin offers the perfect blend of rustic charm, lots of natural light and modern updates. Offering 2 bedrooms, 1 bath and a large open living and kitchen area is just what the Dr. ordered for your relaxation. The 2 decks are perfect for entertaining or relaxing after a day on the lake. New metal roof was installed in 2024 and in 2025 owners stained the siding and decks, so you won't have to for years to come. A 8'x10' storage shed remains with that property and is perfect for extra storage. Whether you're looking for a personal getaway or your next investment opportunity, this affordable cabin come furnished and it's location is close to everything Lake Cumberland has to offer.

111 Cabin Dr, Russell Springs
125 Holly Hill Dr, Somerset
$359,000
3 Beds ⋅ 2 Baths ⋅ 26027060 MLS
Welcome to 125 Holly Hill. Located in the desirable Oak Hill community near schools, churches and shopping. This home has many upgrades and features. Within the last 3 years this home has had the addition of a new roof, hardwood flooring, HVAC, Water heater, lighting fixtures among other updates. This home is all on one level and has easy access from oversized 2 car garage. Each generously sized bedroom has nice large closets. Fenced back yard with nice storage shed.

125 Holly Hill Dr, Somerset
62 Shady Ln, Berea
$225,000
4 Beds ⋅ 3 Baths ⋅ 26026909 MLS
There's plenty of room to move around in this beautifully updated 4 bed 2 1/2 bath home nestled just outside of Berea. Taxes are cheaper too, with it located in Rockcastle County. This split floor plan has a huge primary ensuite. Very well appointed kitchen, with plenty of storage and an island bar. A beautiful fireplace provides a nice warm ambiance on those cold winter evenings. The additional bedrooms all have nice sized closets. So many updates throughout this 2002 sq ft home: New roof, newer water heater, new lighting fixtures, one remodeled bath, new paint and some new trim throughout. Two storage sheds will convey. If you are looking for a wonderful rural setting that's just a few short minutes to I75 and only minutes to Berea or to Mount Vernon. Call or text your agent today to see this wonderful home.

62 Shady Ln, Berea
402 Lame Duck Dr, Somerset
$359,900
3 Beds ⋅ 2 Baths ⋅ 26026321 MLS
!!WATERFRONT HUNTER'S PARADISE!! Are you ready to take the leap and escape the hustle and bustle of the busy city life? Then this home is for you! This secluded 3 bedroom, 1 bathroom home is ready for you to make your dreams a reality, featuring a water front view to Cumberland River and access to the community boat dock. This home could be your retirement home, lake house, Bed & Breakfast, hunting lodge, or escape from all the noise of big city living! As you step inside you will see all the beautiful woodwork the seller has added to this home with timber cut right off the property and still remains enough firewood that would take a lifetime to burn in the free standing wood stove located in the massive 17'x27' great room. While you enjoy the fire you can look out the back of the home covered in windows and sliding glass doors to take in the beautiful water views and all the wildlife that calls these woods home such as deer, turkey, and even a bobcat or two. With a complete walk around deck you feel completely surrounded by nature and all this property has to offer such as fishing at the river, 4-wheeling, hunting right in your own back yard or to the accessible Daniel Boone National Forest. Just off the deck is a storage shed that would be great for all your fishing and boating gear or it could be a nice workshop. If that's not enough room for you then there is an additional storage space under the house. The sellers are leaving the appliances and security system while also willing to negotiate on some of the furniture. Don't miss your chance to own this must see property! Call today for your private tour.

402 Lame Duck Dr, Somerset
2391 Disputanta Road, Mt Vernon
$305,000
3 Beds ⋅ 2 Baths ⋅ 26026268 MLS
Escape to your own private slice of paradise with a permanent residence or weekend getaway in the highly sought-after Clear Creek community of Mt. Vernon, Rockcastle County, KY just a 12 minute drive from Berea College square intersection and aproximately 20 minutes & 13.3 miles to Renfro Valley Entertainment Venue next to I-75! Tucked beautifully between rolling hills, this quaint and cozy 3 bedroom, 1.5-bathroom cabin offers the ultimate in serene views and quiet country living.Situated on 2.5 flat, level acres, the property uniquely borders both Clear Creek and Davis Branch, creating a picturesque setting perfect for entertaining family and friends. Nature lovers and gardeners will be enchanted by the mature black walnuts,willows, hickory's & peach tree.In addition to more newly planted blueberry bushes, cherry, persimmon, fig, nectarine trees & a thriving strawberry patch.The cabin itself has been meticulously maintained and updated, featuring a solid paint stain on both the home, outbuildings, deck, & porch, and a fully encapsulated crawl space with dehumidifier to control humidity under the house - all completed within the past two years. Inside, an insightful interior renovation completely opened up the main living area, creating an inviting, seamless flow designed for modern living relaxation. The main full bathroom was beautifully upgraded during this time to include a wonderful soaking tub - all renovations mentioned within the last 2 years. Smart space utilization shines in the guest bedroom, which comes equipped with a built-in Murphy bed allowing the room to transition effortlessly into a home office. At the back of the home, a spacious, sun-filled bedroom lined with windows offers beautiful views of the back deck and backyard, with the flexibility to also serve as a family room . House conveys propane space heater that heats the whole house in the winter. Vitasalus whole house water filtration system (value of $4,500 installed) conveys. Property includes a shed, storage building, and open carport. Don't miss this rare opportunity to come home to relaxing nights in nature. Schedule your tour of this sweet property located in the Clear Creek community of Rockcastle County KY.

2391 Disputanta Road, Mt Vernon
248 Harts Place Dr, Somerset
$309,900
4 Beds ⋅ 3 Baths ⋅ 26026141 MLS
Full Brick Home Minutes from Somerset & Lake Cumberland with Finished Walk Out Basement and Mountain Views This well maintained full brick home offers exceptional space, privacy, and scenic views, all situated just minutes from Somerset and beautiful Lake Cumberland. Located on a large lot with cornfields behind the property, the setting provides a peaceful backdrop and unobstructed views of the Kentucky mountains. Inside, the home features high ceilings in the living room, a wide hallway, and a spacious layout that gives the home a unique and open feel. The large back deck spans the rear of the home and offers a private outdoor living space with breathtaking mountain views. The finished walk out basement leads to a private patio, adding additional living and entertaining options. A large two car garage and generous square footage throughout make this property an excellent value for buyers seeking space, quality construction, and a quiet setting close to town conveniences.

248 Harts Place Dr, Somerset
128 Kiersten Dr, Nancy
$169,900
2 Beds ⋅ 1 Baths ⋅ 26025966 MLS
Welcome to Your Lake Cumberland Retreat! Nestled in a friendly lake community just minutes from the shores of beautiful Lake Cumberland, this charming 2023-built tiny home offers modern comfort, low-maintenance living, and plenty of opportunity. Situated on nearly an acre, this 2-bedroom, 1-bath home is thoughtfully designed to make the most of its space. Step inside to find a welcoming living area and a modern kitchen featuring stainless steel appliances and granite countertops. Step outside onto the covered front porch and enjoy your morning coffee or unwind after a day on the lake. Whether you're looking for a personal lake getaway, full-time residence, or investment property, this property offers flexibility to fit your needs. Currently operating as a successful short-term rental, the property has an established rental history that the sellers are happy to share with interested buyers. With ample parking for boats, ATVs, and all your lake toys, there's plenty of room to enjoy everything the Lake Cumberland area has to offer. Don't miss this opportunity to own an affordable, newer home near one of Kentucky's premier recreational destinations!

128 Kiersten Dr, Nancy
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