Tucked along a private, owner-maintained blacktop driveway in a secluded wooded setting, 8246 State Highway 122 in Minnie, Kentucky offers something increasingly rare: real privacy paired with real convenience. This two-story estate home is listed at 200,000 dollars and sits on 6 acres with no immediately adjacent homes or neighbors, giving buyers the kind of seclusion that’s hard to find without moving deep into the countryside.
Property Snapshot
Built in 1970, this two-story home offers 4 bedrooms and 3 bathrooms across 3,000 square feet, priced at roughly 67 dollars per square foot. The 6-acre lot is wooded and secluded, accessed via a private blacktop driveway, and an attached 2-car garage handles parking and storage. With this much square footage and land at this price point, the home represents solid value for buyers seeking space without a big-city price tag.
Built for Privacy and Entertaining
The standout feature here is genuine seclusion. With no immediately adjacent homes or neighbors, buyers get a real sense of retreat, all while remaining connected via a well-maintained private driveway rather than a rough backroad. The property includes a large inground swimming pool and spacious outdoor areas, making it well suited for entertaining guests or simply enjoying quiet outdoor time without the concerns that come with closer neighbors.
Inside, the floor plan is designed for everyday living as much as for hosting, with enough bedrooms and bathrooms to comfortably accommodate a large family or frequent guests. Between the wooded 6-acre setting, the private driveway, and the pool, this property reads less like a typical single-family home and more like a private retreat.
Financing Options to Consider
A well-built estate home like this one, priced at 200,000 dollars with meaningful acreage, opens up a solid range of financing paths.
A conventional loan is a strong fit here, particularly given the home’s overall condition and size, with down payment requirements depending on the buyer’s credit profile.
An FHA loan may also work for owner-occupant buyers, especially first-time buyers, though an appraiser will want to confirm the home’s major systems are in good working order given its 1970 build date.
A USDA loan is worth checking into as well, since rural parts of Floyd County, where Minnie is located, often qualify as 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 1970-built home means confirming the age and condition of the roof, electrical, and plumbing systems with an agent before finalizing coverage. Because the property includes an inground swimming pool, buyers should expect to discuss additional liability coverage specific to pool ownership, since most standard policies require this to be addressed separately. The wooded, secluded setting is also worth mentioning to an insurer, particularly regarding wildfire risk coverage and any considerations tied to the private driveway and distance from immediate neighbors.
Due Diligence Checklist for Buyers
Buyers should plan for a full home inspection covering the roof, electrical, plumbing, and HVAC systems given the home’s age, along with a close look at the structural condition throughout its 3,000 square feet. The inground pool should be inspected separately for its structure, liner, and equipment condition, since pool repairs can be a significant expense if deferred maintenance is present. Buyers should also confirm the condition and maintenance responsibility of the private blacktop driveway, verify the exact boundaries of the 6-acre lot with a survey, and check with Floyd County on zoning and any relevant restrictions. A title search and review of the property tax history rounds out solid due diligence before closing.
The Minnie, KY Market
Minnie is a small community in Floyd County, Kentucky, part of the state’s Eastern Kentucky coalfield region known for its mountain scenery and close-knit rural communities. Properties offering this level of privacy, acreage, and amenities like an inground pool are uncommon in the local market, making this listing a standout for buyers seeking a genuine retreat within a manageable price range for the area.
Final Thoughts
8246 State Highway 122 offers a rare combination for Eastern Kentucky: a spacious 4-bedroom home, 6 wooded acres, total privacy from neighbors, and an inground pool built for entertaining, all at 200,000 dollars. For buyers who want a private retreat without sacrificing convenience, this one is worth a call to schedule a showing.
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