A Log Home on the Kentucky River with a Hot Tub: Inside 2223 Kentucky River Rd in Richmond, KY

Sitting directly on the Kentucky River with flat river frontage and genuine river access, 2223 Kentucky River Rd in Richmond, Kentucky offers a charming log home built for both everyday living and serious relaxation. Listed at 455,000 dollars, the property has already drawn nearly 1,800 views and 153 saves in just 3 days on the market.

Property Snapshot

Built in 1999, this log home offers 3 bedrooms and 3 bathrooms, 2 full and 1 half, across 2,003 square feet, priced at roughly 227 dollars per square foot. The property sits on 5 acres with flat frontage directly on the Kentucky River. Annual property taxes are 3,131 dollars, based on a tax assessment of 332,000 dollars, and there is no HOA. Zillow estimates a monthly payment of around 3,033 dollars.

Built for River Living and Relaxation

The log home leans fully into its riverside setting, with a 600 square foot wrap-around porch offering sweeping views of the water and surrounding property. A hot tub and a fire pit round out the outdoor amenities, giving buyers genuine resort-style relaxation right at home. Inside, a wood-burning fireplace with a blower fan anchors the living space, supplemented by a heat pump and a wood stove for flexible, reliable heating throughout the year.

Flooring mixes carpet, ceramic tile, and hardwood, and the home includes walk-in closets and ceiling fans throughout. The kitchen and laundry come fully equipped, with a dryer, dishwasher, microwave, refrigerator, washer, and range all included in the sale. A 41 by 62 foot barn and shed provide substantial storage or workshop space well beyond what the main home offers, ideal for equipment, hobbies, or additional recreational gear tied to the river.

Notably, high-speed fiber internet is available at the property, a genuinely rare find for a riverside log home this far outside a major city, and a strong selling point for buyers who want to work remotely without sacrificing a rural, scenic setting.

Kentucky River Access

The property’s flat river frontage and direct Kentucky River access set it apart from typical rural acreage listings. For buyers interested in fishing, kayaking, canoeing, or simply enjoying river views from a wrap-around porch, this kind of direct water access on a manageable 5-acre parcel is difficult to find, particularly this close to Richmond and the broader Lexington metro area.

Financing Options to Consider

A well-equipped log home on river frontage at this price point opens up a solid range of financing options.

A conventional loan is a strong fit here given the home’s overall condition and amenities, with down payment requirements depending on the buyer’s credit profile.

An FHA loan may also work for owner-occupant buyers, particularly first-time buyers, though appraisers typically pay close attention to log home construction and will want documentation confirming the home meets standard property requirements.

A USDA loan is worth checking into as well, since rural parts of Madison County outside Richmond’s core may fall within USDA-eligible zones, potentially allowing qualified buyers to purchase with zero down payment.

A VA loan may also be available to eligible veterans, active-duty service members, or surviving spouses, often requiring no down payment for those who qualify.

Insurance Considerations

Insuring a log home on river frontage requires a few specific conversations with an agent. Because the property sits directly on the Kentucky River, buyers should ask about flood zone status and whether flood insurance is required or recommended, even if not mandated by the lender. The wood-burning fireplace and wood stove should be disclosed clearly, along with the metal roof and log construction, since some insurers price log homes differently than standard frame construction. The hot tub should also be mentioned for liability coverage purposes.

Due Diligence Checklist for Buyers

Buyers should plan for a full home inspection with particular attention to log home-specific concerns, including chinking, moisture intrusion, and pest damage, along with the roof, both heating systems, and the septic system. A flood zone determination is essential given the direct river frontage, and buyers should ask about any past flooding history at the property. The barn and shed should be inspected separately for structural condition, and buyers should confirm the exact boundaries of the 5-acre parcel and any riparian rights or restrictions tied to the Kentucky River frontage. A title search and review of the tax assessment history rounds out solid due diligence before closing.

The Richmond, KY Market

Richmond is the county seat of Madison County, Kentucky, offering small-city amenities within a reasonable drive of Lexington, and home to Eastern Kentucky University. Riverfront properties with direct Kentucky River access remain uncommon in the local market, and log homes combining scenic water frontage with amenities like a hot tub, fire pit, and fiber internet tend to draw strong, fast-moving interest from buyers seeking a genuine escape without sacrificing connectivity.

Final Thoughts

2223 Kentucky River Rd offers a rare combination for the Richmond market: direct river frontage, a charming log home with resort-style outdoor amenities, and high-speed fiber internet for remote work, all on a manageable 5-acre parcel. With strong early interest already on record, buyers drawn to riverside living should move quickly to schedule a showing.

If you’re interested in learning more about this property, please contact the listing agent through the Zillow link provided below the photos.

Zillow Listing and Full Gallery

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