Country Farmhouse with a Pond, Barn and 20 Acres in Falmouth, Kentucky — $269,000

Rural Living · Pendleton County, Kentucky

Property Overview

Discover the character of country living at this traditional farmhouse on approximately 20.09 acres along Concord Caddo Road in Falmouth, Kentucky. Built in 1890, this single-family home offers three bedrooms, two full bathrooms and 1,204 square feet of interior living space, surrounded by rolling hills, wooded areas and open ground.

The property combines the character of an older farmhouse with an updated kitchen, a pond and substantial outdoor space. Fencing accommodates a range of agricultural and animal-keeping uses, while a large barn with stalls and space for hay and equipment storage adds practical functionality to the acreage. Additional sheds provide further existing outbuildings.

With a combination of cleared land, wooded sections and rolling terrain, the property offers room to explore gardening, raising animals and other rural pursuits. A driveway provides access and parking space for vehicles, with room described for trucks, trailers, boats and recreational vehicles.

Interior Features

Updated Kitchen

The kitchen features updated finishes, wood cabinetry, tile flooring, crown molding and recessed lighting. Its eat-in layout provides space for everyday meals, while a pantry offers additional food and kitchen-item storage. Included appliances are an electric oven, dishwasher and refrigerator.

Living Room

The main-level living room measures approximately 15 by 14 feet and features luxury vinyl flooring and a ceiling fan. The single-level layout keeps the principal living spaces on the first floor.

Bedrooms

All three bedrooms are located on the first level. The primary bedroom measures approximately 15 by 14 feet and features hardwood flooring, an adjoining bathroom and a walk-in closet.

The second bedroom measures approximately 14 by 13 feet and features carpet flooring and walk-out access. The third bedroom measures approximately 14 by 7 feet and features luxury vinyl flooring.

Bathrooms

The home includes two full bathrooms, both with a tub and shower. The primary bathroom measures approximately 9 by 7 feet and features tile flooring. The second full bathroom measures approximately 8 by 5 feet.

Laundry and Storage

A dedicated main-level laundry room measures approximately 8 by 8 feet and includes built-in features and walk-out access. Washer and electric dryer hookups are listed among the home’s features.

Land and Outdoor Features

The approximately 20.09-acre property includes a mix of cleared and wooded land, level areas and rolling slopes. The terrain provides a varied rural setting with views described as including trees, woods, valleys and the surrounding skyline.

Fencing and Animal Keeping

Barbed-wire fencing is listed among the property’s exterior features, and the property is described as fenced for animals. Previous animal uses have included horses, goats, chickens and a donkey. Buyers considering livestock or other animals should confirm that the existing fencing, facilities and land are suitable for their intended needs.

Barn and Outbuildings

A large barn provides stalls and space for hay and equipment storage. Additional sheds are also present. These existing structures may be useful for agricultural activities, animal care and general property storage, subject to their condition and intended use.

Pond and Water Features

A pond is located on the property and is described as a watering source. The pond may also offer a setting for recreational enjoyment, including fishing where conditions and applicable requirements permit. Its suitability for livestock watering, irrigation or other uses should be assessed independently.

Parking and Access

The property has a driveway and uncovered parking. The listing describes space for trucks, trailers, boats and recreational vehicles. The road surface is listed as paved, and the exterior includes a porch and a private-yard feature.

Structure and Construction

The farmhouse’s age and traditional construction distinguish it from newer residential properties. Buyers should arrange appropriate inspections of the home’s structure, roof, foundation, mechanical systems and outbuildings to evaluate their present condition and future maintenance needs.

Heating, Cooling and Utilities

• Heating: Wood stove.
• Cooling: Window air-conditioning unit or units.
• Water: Public water is listed for the property.
• Sewer: No sewer system is listed. The property description specifically states that there is no septic system.
• Internet: Altafiber high-speed internet is mentioned in the property description. Confirm current service availability and the available speed at the address.
• Laundry: Main-level laundry room with washer and electric dryer hookups.

The absence of a septic system is an important consideration. Buyers should verify the property’s current wastewater arrangements, applicable health-department requirements, permitted options for wastewater treatment and the feasibility and cost of any proposed installation before proceeding. Public water availability does not establish wastewater service.

Buyer Area Research

Area Overview

Falmouth is the county seat of Pendleton County in northern Kentucky. The surrounding region includes rural residential properties, agricultural land, rolling terrain and established community services in and around town.

Pendleton County had an estimated population of 14,800 in July 2025, compared with a 2020 census population of 14,644. The county’s 2020–2024 housing and household statistics reflect a predominantly owner-occupied residential market, with an owner-occupied housing rate of 74.7% and a median value of owner-occupied homes of $159,800 over that period.

The property’s rural location and agricultural zoning distinguish it from a typical in-town residential lot. Buyers should evaluate the land, existing structures, access, utilities and permitted uses in the context of their intended plans.

Safety and Crime

Annual crime reports and offense records are available for Falmouth and Kentucky. However, a consistent, independently verified set of comparable violent-crime and property-crime rates specifically applicable to this rural property was not established for this listing.

City-level statistics, where available, should not be treated as a measurement of crime at this address or across all of Pendleton County. Buyers can assess their specific concerns by reviewing the applicable jurisdiction’s recent offense records and confirming whether the property falls within city or county law-enforcement boundaries.

Schools and Education

Pendleton County operates a public school district serving the Falmouth area. Schools in the community include Southern Elementary School and Pendleton County High School, with middle-school education also available within the district.

Nearby school names do not establish attendance boundaries for this property. Buyers should confirm the current school assignments, grade levels, transportation arrangements and enrollment requirements for the exact address before making decisions based on school access.

Healthcare and Hospitals

Healthcare options in the wider region include local medical services and hospital-based emergency care in neighboring Kentucky communities. St. Elizabeth Healthcare operates a 24-hour emergency department in Williamstown at its Grant County location, as well as additional emergency departments in northern Kentucky.

Exact travel distances and journey times from the property have not been established here. Buyers should identify their preferred primary-care provider, pharmacy and emergency facility and consider the practical travel requirements associated with a rural address.

Housing Market History

The following historical series tracks the annual all-transactions house price index for Pendleton County, Kentucky. It measures changes in the county-level housing market using an index in which the year 2000 equals 100. These figures are not dollar-denominated home values and do not represent the value of this individual farmhouse.

Across this series, the county-level index rose from 156.89 in 2021 to 234.08 in 2025, an increase of approximately 49.2%. The index reflects broader housing-market changes and should not be interpreted as a forecast, a guaranteed return or an estimate of this property’s future value. Rural acreage, historic construction, property condition, wastewater arrangements and financing eligibility may all affect how an individual property compares with the wider market.

Transportation and Regional Access

U.S. Route 27 is a principal regional highway serving Falmouth. Kentucky Route 22 and Kentucky Route 159 also serve the wider community and provide connections through the surrounding rural road network.

The property is reached via Concord Caddo Road, and the road surface is listed as paved. Driving distances, commute times and the most practical routes to employment centers, airports and regional services depend on the destination and have not been estimated here.

Shopping and Everyday Services

Falmouth provides everyday services and businesses serving Pendleton County residents. The town includes grocery shopping, fuel stations, restaurants, postal services, public facilities and other community businesses.

Examples of established local dining options include Howard’s Place and Smoking Pig Tavern. Grocery and fuel options are available in the wider Falmouth area. Buyers should confirm current business locations, operating hours and availability when planning regular shopping and errands from the property.

Parks and Recreation

Kincaid Lake State Park is a regional outdoor recreation destination near Falmouth. Facilities and activities include lake access, boating, fishing, camping, hiking trails, picnic areas and seasonal recreation amenities. The park also includes a golf course.

The property’s own pond, rolling terrain, fenced areas and acreage provide additional opportunities for private outdoor activities, subject to the condition of the land and any applicable rules. Buyers should distinguish recreational use of the private pond from access to public waterways and facilities.

Utilities and Connectivity

Public water is listed for the property, and the property description identifies Altafiber as a high-speed internet option. Actual broadband technology, available speeds and installation requirements should be confirmed for the exact address.

The home is described as using a wood stove for heat and window units for cooling. No septic system is listed, and no sewer service is identified. Electricity provider, waste collection, recycling, cellular signal strength and any additional utility arrangements have not been independently confirmed for this parcel.

Before purchase, buyers should verify all utility connections and service costs, the property’s wastewater situation, and whether any proposed changes require permits or additional infrastructure.

Development and Planning

Pendleton County’s planning and zoning functions cover development review, zoning administration, subdivision review and related land-use matters in the county and the City of Falmouth.

The property is identified as agriculturally zoned. No specific approved or proposed development project affecting this parcel has been established for this listing. Buyers considering farming, additional buildings, subdivision, commercial activity or changes in land use should verify current zoning rules, deed restrictions, easements, permits and any applicable planning requirements directly with the relevant authorities.

Important Considerations for Buyers

• Historic structure: The home dates to 1890. Arrange an appropriate inspection of the structure, foundation, roof and major systems.
• Wastewater: No septic system is listed. Confirm lawful existing wastewater arrangements and the feasibility of any required treatment system before purchase.
• Heating and cooling: The listed systems are a wood stove and window units. Evaluate their condition, capacity, maintenance needs and suitability for year-round occupancy.
• Agricultural financing: The property description states that financing must be obtained through a farm or land lender. Confirm lender eligibility, down-payment requirements, appraisal criteria and loan terms before making an offer.
• Land and outbuildings: Inspect the barn, stalls, sheds, fencing, pond and access areas to establish their condition and suitability for the intended use.
• Property boundaries: Confirm acreage, boundary lines, access rights, easements and any restrictions through appropriate due diligence.
• Animal and agricultural use: Verify applicable zoning, animal-keeping rules and any requirements related to livestock, fencing or agricultural activities.

Property Summary