Wooded Country Home on 13.63 Acres with Stone Fireplace in Stearns, Kentucky — $349,990

Property Overview

Set on 13.63 acres in the countryside of Stearns, Kentucky, this ranch-style property combines a comfortable home, wooded acreage, and plenty of usable outdoor space. Mature trees surround the property, while a mostly level yard provides room to enjoy the outdoors without giving up the privacy of a country setting.

The home has approximately 2,155 square feet of finished above-grade living space, with three bedrooms, two full bathrooms, and a half bath. Built in 1980, it features a one-and-a-half-story layout, hardwood flooring, and a stone fireplace that serves as a focal point in the living room. An additional unfinished basement provides approximately 1,070 square feet of space for storage, hobbies, or future possibilities.

Outside, a large patio and separate fire pit area create two places to spend time outdoors. The property also includes an attached garage, a 15-by-30-foot shed, wood fencing, and access to a shared pond. With open ground around the home and wooded acreage beyond, the setting offers a mix of practical outdoor space and natural surroundings.

Interior Features

The main living area features hardwood flooring and a substantial stone fireplace. The kitchen has abundant cabinetry and counter space, providing room for everyday cooking and meal preparation. A separate dining area adds to the home’s practical layout.

The primary bedroom is located on the first floor, along with the kitchen, living room, dining room, utility room, and first-floor bathroom facilities. The other two bedrooms are upstairs, offering some separation between the primary bedroom and additional sleeping areas.

Additional interior features include a walk-in closet, wet bar, ceiling fans, and a combination of hardwood, laminate, and tile flooring. Blinds are installed on the windows.

Kitchen and Appliances

Included appliances are:

• Refrigerator
• Dishwasher
• Cooktop
• Oven
• Washer
• Dryer

The laundry area is on the main level and includes electric dryer and washer hookups.

Heating and Cooling

Heating is provided by a heat pump, with wood and a wood stove also listed among the home’s heating features. Cooling is provided by the heat pump, with ceiling fans offering additional air circulation.

The living room fireplace is propane-fueled.

Basement and Additional Space

The home includes an unfinished basement measuring approximately 1,070 square feet. Although it is not included in the finished living area, it provides useful additional space for storage, workshop activities, equipment, or other household needs.

The basement’s unfinished condition gives a future owner flexibility in how the space is used, subject to its existing layout and any applicable building requirements.

Land and Outdoor Features

The 13.63-acre property is one of its most distinctive features. Mature woods surround the home, with a mostly level yard close to the house. This arrangement provides a practical balance between open outdoor space and wooded surroundings.

• 13.63 acres of land
• Wooded setting with mature trees
• Mostly level yard around the home
• Shared pond
• Large outdoor patio
• Separate fire pit area
• Wood fencing
• Attached one-car garage
• Additional 15-by-30-foot storage shed
• Trees and woods views

The shared pond adds another outdoor feature to the property. Because it is shared, buyers should confirm the ownership arrangements, access rights, and any maintenance responsibilities associated with it.

The patio provides space for outdoor seating and gatherings, while the separate fire pit area offers another place to spend time outside. The surrounding acreage also provides room to enjoy the wooded setting and the open ground around the house.

Structure and Construction

The house was built in 1980 and has a ranch architectural style with a one-and-a-half-story layout. Exterior construction includes stone and wood siding, with a block foundation and composition roof.

• Property type: Single-family residence
• Architectural style: Ranch
• Year built: 1980
• Levels: One and one-half
• Exterior materials: Stone and wood siding
• Foundation: Block
• Roof: Composition
• Fireplaces: One

Utilities and Connectivity

The property has public water and public sewer service. Fiber broadband service is also available at the home, an important feature for buyers who work remotely, use connected devices, or rely on a dependable internet connection.

Ubiquiti Wi-Fi access points are installed upstairs and downstairs to provide wireless connectivity throughout the home’s different levels.

Buyers should independently confirm utility providers, service arrangements, internet subscription details, and any equipment that will remain with the property before closing.

Property Tax and Assessment Information

The listed tax information includes an assessed property value of $137,000 and annual property taxes of $1,101. Buyers should verify the current assessment, applicable exemptions, and future tax obligations with the McCreary County property valuation administrator.

Living in Stearns, Kentucky

Stearns is a small community in McCreary County in southern Kentucky, close to the Tennessee state line. The area is known for its wooded Appalachian landscape and access to outdoor recreation, including the Big South Fork region.

McCreary County had an estimated population of approximately 17,124 in 2025. The 2024 American Community Survey estimated the population of ZIP code 42647 at approximately 3,349 residents. The surrounding community is predominantly rural, with local services and additional shopping and healthcare options available in nearby communities.

For buyers who prefer a property outside a larger town, Stearns provides a rural setting while remaining connected to the wider McCreary County area.

Safety and Crime Information

Crime statistics should be considered in their proper geographic context. Countywide figures do not necessarily reflect conditions at an individual property, road, or neighborhood.

A sufficiently detailed, consistently comparable set of recent crime statistics specific to the immediate Childers Ridge Road area was not established for this listing. Buyers interested in local crime information can request the latest available reporting from the McCreary County Sheriff’s Office and review Kentucky State Police annual crime reports.

Schools and Education

Public education in the area is provided by McCreary County Schools. Schools within the district include:

• Whitley City Elementary School
• Pine Knot Primary School
• Pine Knot Intermediate School
• McCreary County Middle School
• McCreary Central High School

These schools provide elementary, middle, and high school education within the county. The schools listed are district options, not a confirmation of the assigned schools for this particular address.

Families should contact McCreary County Schools directly to verify attendance boundaries, enrollment requirements, transportation arrangements, and available educational programs.

Healthcare and Medical Services

Healthcare options in the surrounding area include local primary care services and urgent care, with additional hospital services available in neighboring communities.

Local Medical Care

Hope Primary & Urgent Care – Stearns

This local medical facility provides primary care and urgent care services, along with laboratory services, X-rays, EKGs, and injections. Its Stearns location is on US Highway 27.

Regional Hospital Services

• Scott County Hospital – Oneida, Tennessee: A regional hospital serving the Oneida area.
• Lake Cumberland Regional Hospital – Somerset, Kentucky: A regional hospital providing hospital and emergency medical services.

For routine appointments, urgent medical needs, and hospital services, buyers should check current facility locations, service availability, operating hours, and emergency department arrangements.

Stearns Housing Market History

Historical housing values provide useful context when considering a property in the Stearns area. The following figures represent median values of owner-occupied homes in ZIP code 42647, using American Community Survey five-year estimates. They are area-wide estimates, not comparable sales of properties on acreage or appraisals of this particular home.

Across the period shown, the estimated median owner-occupied home value increased from $58,100 to $80,600. That represents an increase of approximately 38.7% between the two reported estimates.

These figures are based on overlapping five-year survey periods rather than individual home sales recorded in each calendar year. They should therefore be viewed as broad historical housing-value estimates, not a precise year-by-year measure of market appreciation.

Transportation and Regional Access

US Highway 27 is an important regional route through the Stearns area, connecting the community with other parts of McCreary County and the wider southern Kentucky region.

Kentucky Route 92 also provides access through the area and connects with local roads serving the surrounding communities. These routes are useful for reaching nearby services, neighboring towns, and outdoor recreation destinations.

Stearns is also associated with the Big South Fork Scenic Railway, which operates from the historic Stearns Depot to the Blue Heron Mining Community. The railway provides a recreational and historical connection to the area’s former coal-mining communities.

Buyers should check their preferred routes and actual driving times when planning regular commutes, shopping trips, or travel to regional airports and medical facilities.

Shopping and Everyday Services

Everyday shopping and services are available in the Stearns and wider McCreary County area, with additional options in nearby communities such as Whitley City and Somerset.

Residents can look to the surrounding communities for grocery shopping, fuel, pharmacies, banking, restaurants, hardware supplies, and other routine services. Somerset provides a larger regional shopping and service center for a broader selection of businesses.

Because this is a rural property, buyers should consider the locations of their preferred grocery stores, pharmacies, and other frequently used services when assessing the convenience of the setting.

Parks and Outdoor Recreation

The Stearns area is particularly well known for its connection to the Big South Fork National River and Recreation Area, a major outdoor recreation destination spanning parts of Kentucky and Tennessee.

The surrounding region provides opportunities for:

• Hiking and walking trails
• Scenic overlooks and nature viewing
• Fishing and river recreation
• Horseback riding on designated trails
• Camping and outdoor exploration
• Historic sites and former mining communities

Blue Heron Mining Community

Blue Heron is a preserved historic mining community within the Big South Fork area. Visitors can explore outdoor interpretive displays and learn about the history of coal mining in the region.

The Big South Fork Scenic Railway connects the historic Stearns Depot with Blue Heron, making the journey part of the area’s recreational experience.

Big South Fork National River and Recreation Area

The national recreation area is known for its rugged scenery, forested landscapes, sandstone formations, waterways, and extensive outdoor recreation opportunities. It is a significant regional attraction for visitors who enjoy spending time outdoors.

For buyers considering this property, the surrounding region offers an established outdoor recreation setting in addition to the acreage and shared pond on the property itself.

Utilities, Broadband and Connectivity

Public water and public sewer are listed for the property, and fiber broadband service is identified as an existing feature.

Highland Telephone Cooperative is among the fiber broadband providers serving portions of the Stearns area. However, general area coverage should not be treated as a guarantee of service at every address.

The home’s existing Ubiquiti Wi-Fi access points are installed on both floors, providing an additional connectivity feature for occupants.

Other utility arrangements, including electricity, waste collection, and any additional service providers, should be confirmed directly before purchase. Buyers should also verify the exact broadband provider, subscription, speeds, and equipment included in the sale.

Development and Future Planning

Stearns and McCreary County retain a predominantly rural character, with the surrounding landscape and outdoor recreation areas playing an important part in the region.

No specific major development project or approved planning change directly affecting Childers Ridge Road was established in the available research for this listing. Buyers interested in future land use, nearby construction, zoning, or infrastructure improvements should contact McCreary County planning and local government offices for the latest information.

Property Summary