NOT LISTED FOR SALE

495 Holy Cross Rd Loretto, KY 40037

Estimated Value: $346,000 - $440,414

4 Beds
2.5 Baths
2,568 Sq Ft
$153/Sq Ft Est. Value

Sale Details

Date Sold: September 17, 2025

Last sale price $340,000 $132 Per Sq Ft

Est. 15% increase in value since last sale

Current estimated payment $2,400 / mo

103 Days on Market

Highlights

  • Cathedral Ceiling
  • Main Floor Primary Bedroom
  • Granite Countertops
  • Wood Flooring
  • Bonus Room
  • Covered Patio or Porch

About This Home

As of September 2025

Welcome to this beautiful home nestled on a 2.09-acre (+/-) spread of land in the gorgeous and highly desired Loretto Area! The tour begins in the airy living room showcasing glowing hardwood floors and accentuated by a charming arched window paired with a cathedral-style ceiling. Flowing from the living room is a fabulous kitchen sporting more of that gleaming hardwood. The kitchen is furnished with a large horseshoe counter that wraps into an adorable breakfast bar and topped with sleek granite. Then equipped in the kitchen is an exquisite selection of hardy cabinetry and first-class appliances that include a dishwasher and stainless-steel refrigerator, stove, & microwave! Rounding out the kitchen is a handy pantry closet and sizable dining area... and when it's time to just sit back and relax... make your way to the lovely sunroom surrounded by elegant colonial-style windows that filter soft natural light into the room. The sunroom is also laid with a soothing tile floor and enhanced with an exposed brick wall to make it your go to spot for some peace and quiet. The first-floor features a spacious primary bedroom elevated with a decorative tray ceiling, a delightful arched window, and ensuite bath. The ensuite bath is souped-up with a stylish vanity (w/ dressing table) accompanied by a relaxing whirlpool tub plus a large walk-in closet! Completing the first-floor is a convenient 1/2 bath, an awesome attached 2-car garage, and a nice laundry room fitted with handy cabinetry and a nifty sink. The upstairs has another full bath and hosts 3 more generously sized bedrooms plus a bonus room for the opportunity of a 5th bedroom! These extra rooms offer great options as they could be utilized as office space, rec/play areas for the kids, or that always needed storage space. Speaking of which... the upstairs provides tons of storage space as there is even attic storage that spans across the home! Outside... you will love being able to spread out across the open yard that offers unobstructed views of the scenic countryside, a quaint pond, shaded patio, and a 16' X 20' storage building. Plus... you can almost stand in the crawl space which is also lined with lights to make underneath access of the home a breeze and being a testament to the quality of construction. Quality never goes out of style and call JESSI VAUGHN to see the quality first-hand today! ***NOTE: WE DO NOT PAY COMMISSION ON SELLER PAID CLOSING COSTS AND PRE-PAID ITEMS***

Last Agent to Sell the Property

Charles Lancaster

The Lancaster Agency Inc Listed on: 04/30/2025

Last Buyer's Agent

Non-Member Agent

Non-Member Office

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
Not Available
List Price
Sold Price
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Home Details

Home Type

  • Single Family

Year Built

  • Built in 1997

Lot Details

  • 2.09 Acre Lot

Parking

  • 2 Car Attached Garage

Home Design

  • Brick Exterior Construction
  • Frame Construction
  • Asphalt Roof

Interior Spaces

  • 2,568 Sq Ft Home
  • 2-Story Property
  • Cathedral Ceiling
  • Entrance Foyer
  • Living Room
  • Bonus Room

Kitchen

  • Eat-In Kitchen
  • Oven
  • Microwave
  • Dishwasher
  • Granite Countertops

Flooring

  • Wood
  • Carpet
  • Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Primary Bedroom on Main
  • En-Suite Primary Bedroom
  • Walk-In Closet
  • Soaking Tub

Laundry

  • Laundry Room
  • Dryer
  • Washer

Outdoor Features

  • Covered Patio or Porch
  • Outbuilding

Utilities

  • Forced Air Heating and Cooling System
  • Heating System Uses Gas

Home Details

Home Type

Single Family

Year Built

Built in 1997

Lot Details

2.09 Acres

Parking

2

Listing Details

  • ExteriorCoveredPorch: Yes
  • ExteriorPatio: Yes
  • FloorCarpet: Yes
  • FloorHardwood: Yes
  • FloorTile: Yes
  • HamletID: 0
  • HasCentralAC: Yes
  • HeatFuelGas: Yes
  • HeatTypeForcedAir: Yes
  • KitchenCounterType: Granite
  • LandRentAmount: 0
  • Lot Size Acres: 2.09
  • Number Of Stories: 2
  • OutbuildingGeneral: Yes
  • PercentageOfTaxThatIsDeductable: 0
  • PropertyCity: Loretto
  • Prop. Type: House (Detached)
  • Renovation Year: 0
  • RoofAsphalt: Yes
  • En Suite Room: Yes
  • First Floor Bathroom: Yes
  • First Floor Master Bedroom: Yes
  • Foyer: Yes
  • Kitchen: Yes
  • Laundry Room: Yes
  • Walk In Closet: Yes
  • SForSaleAndRForRental: S
  • SidingBrick: Yes
  • USStateAbbreviation: KY
  • WaterSourceType: Municipal
  • Year Built: 1997
  • Special Features: None
  • Property Sub Type: Detached
  • Stories: 2

Interior Features

  • ApplianceDishwasher: Yes
  • ApplianceDryer: Yes
  • ApplianceMicrowave: Yes
  • ApplianceOven: Yes
  • ApplianceRefrigerator: Yes
  • ApplianceWasher: Yes
  • Kitchen Type: Eat-In
  • Fireplaces: 0
  • Bonus Room: Yes
  • Living Room: Yes
  • AboveArea Sq Ft: 2568

Exterior Features

  • Construction Type: Frame

Garage/Parking

  • AttachedParking: 0
  • Garage Type: Attached
  • Numberof Garage Spaces: 2

Utilities

  • Sewer Type: Municipal

Condo/Co-op/Association

  • HOA Fees: 0
  • Units in Building: 0

Lot Info

  • Number Of Lots: 0

Multi Family

  • Unit Number of Bedrooms: 4
  • Total Taxes: 0

Tax Info

  • Tax Year: 0

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Name Owned For Owner Type

Purchase Details

Listed on
Apr 30, 2025
Closed on
Sep 17, 2025
Sold by
Bought by
Seller's Agent
Charles Lancaster
The Lancaster Agency Inc
Buyer's Agent
Non-Member Agent
Non-Member Office
List Price
$369,900
Sold Price
$340,000
Premium/Discount to List
-$29,900
-8.08%
Views
193
Current Estimated Value
$391,854

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$51,854
Avg. Annual Appreciation
17.72%
Original Mortgage
$343,434
Outstanding Balance
$340,622
Interest Rate
6.58%
Mortgage Type
New Conventional
Estimated Equity
$51,232

Purchase Details

Closed on
Apr 12, 2022
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$230,400
Interest Rate
3.76%
Mortgage Type
New Conventional

Purchase Details

Closed on
Oct 28, 2010
Sold by
Bought by
Source: Public Records

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Buyer Sale Price Title Company
$340,000 Limestone Title
$288,000 Spragens & Higdon Psc
$20,000 None Available
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Borrower Loan Amount
Open $343,434
Previous Owner $230,400
Previous Owner $78,000
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft
09/19/2025 09/19/25 Off Market $339,900 -- --
09/17/2025 09/17/25 Sold $340,000 0.0% $132 / Sq Ft
08/11/2025 08/11/25 Pending -- -- --
07/31/2025 07/31/25 Price Changed $339,900 -2.9% $132 / Sq Ft
06/13/2025 06/13/25 Price Changed $349,900 -5.4% $136 / Sq Ft
04/30/2025 04/30/25 For Sale $369,900 -- $144 / Sq Ft
Source: My State MLS

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $2,949 $335,000 $335,000 $0
2024 $2,557 $288,000 $288,000 $0
2023 $2,583 $288,000 $288,000 $0
2022 $2,604 $288,000 $288,000 $0
2021 $1,518 $10,000 $10,000 $0
2020 $1,298 $140,000 $140,000 $0
2019 $1,298 $140,000 $140,000 $0
2018 $1,310 $140,000 $140,000 $0
2017 $1,309 $140,000 $140,000 $0
2015 $1,238 $140,000 $140,000 $0
2012 $1,198 $140,000 $140,000 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: My State MLS

MLS Number: 11486592

APN: 020-058-03

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