Skip main navigation
For sale
    • Price cut: $15K (6/23)
    $484,000

    486 Mermie Rd, Hardin, KY 42048

    4beds
    2,742sqft
    : 
    $3,015/mo
    Get pre-qualified
    Single Family Residence
    Built in 1993
    0.94 Acres Lot
    $465,200 Zestimate®
    $177/sqft
    $-- HOA

    What's special

    Lake viewsGenerous rear deckFlexible living spaces
    Enjoy lake views, flexible living spaces, and extensive storage options all in one property. Whether you're looking for extra room, a place to entertain, or convenient access to Kentucky Lake recreation, this home offers a variety of possibilities. The interior features a large kitchen with marble tile countertops and a formal dining room centered by a cozy fireplace. 4 Bedrooms 2.5 bathrooms. An updated multi-purpose room includes a wet bar, fireplace and provides direct access to a generous rear deck. Great for entertaining Family and Friends. Storage is abundant with two attached 2-car garages (featuring new doors) and a detached 20x30 outbuilding designed for boat or recreational vehicle storage. The grounds are thoughtfully landscaped with a raised garden plot, established grapevines, and various fruit trees Property ownership includes access to Pirates Cove amenities: a community pool(new), clubhouse, sandy beach area, private boat ramp, and marina. Membership is optional.
    24 days
    |
    191
    |
    12
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Shelly Forgey,

    Keller Williams Experience - Murray

    Source: Imagine MLS,MLS#: 26017009MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 2
      • 1/2 bathrooms: 1
      Primary bedroom
      • Level: First
      • Area: 266.76 Square Feet
      • Dimensions: 15.6 x 17.1
      Bedroom 2
      • Level: First
      • Area: 197.4 Square Feet
      • Dimensions: 14 x 14.1
      Bedroom 3
      • Level: First
      • Area: 139.86 Square Feet
      • Dimensions: 11.1 x 12.6
      Bedroom 4
      • Level: First
      • Area: 146.52 Square Feet
      • Dimensions: 11.1 x 13.2
      Dining room
      • Level: First
      • Area: 197.4 Square Feet
      • Dimensions: 14 x 14.1
      Family room
      • Level: First
      • Area: 514.08 Square Feet
      • Dimensions: 23.8 x 21.6
      Kitchen
      • Level: First
      • Area: 239.76 Square Feet
      • Dimensions: 11.1 x 21.6
      Living room
      • Level: First
      • Area: 403.72 Square Feet
      • Dimensions: 19.8 x 20.39
      Heating
      • Forced Air, Propane, Wood Stove, Propane Tank Owned
      Cooling
      • Central Air
      Appliances
      • Included: Dryer, Dishwasher, Microwave, Refrigerator, Washer, Range
      • Laundry: Main Level
      Features
      • Wet Bar
      • Flooring: Carpet, Tile
      • Has basement: No
      • Number of fireplaces: 2
      • Fireplace features: Dining Room, Great Room, Propane, Wood Burning
      Interior area
      • Total structure area: 2,742
      • Total interior livable area: 2,742 sqft
      • Finished area above ground: 2,742
      • Finished area below ground: 0

      Property

      Parking
      • Total spaces: 4
      • Parking features: Attached Garage, Driveway, Garage Door Opener, Garage Faces Side
      • Garage spaces: 4
      • Has uncovered spaces: Yes
      Features
      • Levels: One
      • Has view: Yes
      • View description: Lake, Water
      • Has water view: Yes
      • Water view: Lake,Water
      Lot
      • Size: 0.94 Acres
      • Features: Landscaped
      Details
      • Parcel number: 740A07008.

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Brick Veneer, Vinyl Siding
      • Foundation: Block
      Condition
      • Year built: 1993

      Utilities & green energy

      • Sewer: Septic Tank
      • Water: Public

      Community & HOA

      Community
      • Subdivision: Pirates Cove
      HOA
      • Has HOA: No
      Location
      • Region: Hardin

      Financial & listing details

      • Price per square foot: $177/sqft
      • Tax assessed value: $203,900
      • Annual tax amount: $2,321
      • Date on market: 7/9/2026

        Estimated market value

        $465,200

        $442,000 - $488,000

        $2,185/mo

        Price history

        DateEventPrice
        6/23/2026Price change$484,000-3%$177/sqft
        Source: WKRMLS #136664 Report a problem
        4/27/2026Listed for sale$499,000+8.5%$182/sqft
        Source: WKRMLS #136664 Report a problem
        10/22/2025Listing removed$460,000$168/sqft
        Source: WKRMLS #131690 Report a problem
        9/25/2025Price change$460,000-2.1%$168/sqft
        Source: WKRMLS #131690 Report a problem
        9/8/2025Price change$470,000-1.1%$171/sqft
        Source: WKRMLS #131690 Report a problem
        6/9/2025Price change$475,000-2.1%$173/sqft
        Source: WKRMLS #131690 Report a problem
        5/19/2025Price change$485,000-2%$177/sqft
        Source: WKRMLS #131690 Report a problem
        5/4/2025Listed for sale$495,000-2%$181/sqft
        Source: WKRMLS #131690 Report a problem
        4/8/2025Listing removed$505,000$184/sqft
        Source: WKRMLS #129104 Report a problem
        1/30/2025Price change$505,000-2.9%$184/sqft
        Source: WKRMLS #129104 Report a problem
        11/8/2024Price change$519,900-2.8%$190/sqft
        Source: WKRMLS #129104 Report a problem
        10/19/2024Price change$534,900-2.7%$195/sqft
        Source: WKRMLS #129104 Report a problem
        10/7/2024Listed for sale$549,900+207.2%$201/sqft
        Source: WKRMLS #129104 Report a problem
        5/30/2019Sold$179,000-20.4%$65/sqft
        Source: Public Record Report a problem
        8/21/2009Sold$224,900$82/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$2,321 +9.9%$203,900
        2023$2,112 -12.9%$203,900
        2022$2,424 -1.2%$203,900
        2021$2,455 -0.7%$203,900
        2020$2,473 0%$203,900
        2019$2,474 +19.6%$203,900
        2018$2,069 -0.1%$203,900
        2017$2,071 -0.5%$203,900
        2016$2,082 -0.5%$203,900
        2015$2,092 $203,900 +22.1%
        2014$2,092 $167,000 -18.1%
        2010-- $203,900
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
        See how much you could borrow to make a competitive offer.
        Get pre-qualified

        Climate risks

        Neighborhood: 42048

        Getting around

        0 / 100
        Car-Dependent
        15 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: South Marshall
        • Middle: South Marshall
        • High: Marshall

        Source: Imagine MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

        A local agent can set up tours, give advice and negotiate with sellers.

        A local lender can help you make sure your offer is ready when you are.

        Browse local experts

        Similar homes

              Nearby cities

              Nearby zip codes

              Other Hardin Topics

                Search
                Updates
                Favorites
                Plan
                Inbox