Lean into lake days and easy evenings in Pirate’s Cove, where the water is just a short golf cart ride away and the lifestyle carries through every season. This 4 bedroom, 2 bathroom home offers a flexible layout with space to gather and unwind. The main level features a large living room with vaulted ceilings, a brick fireplace, and access to one of three decks, all flowing into the kitchen with stainless steel appliances and a pantry. Two bedrooms and a full bath are also on the main floor. Upstairs, the primary suite is set apart with its own bathroom and private balcony, giving you a separate space to relax at the end of the day. The walkout basement adds even more room with a den area, an additional bedroom, and a large utility room with a sink. Located in Pirate’s Cove, you’ll also have access to community amenities including a pool and common area, making it easy to enjoy the lake lifestyle both on and off the water.
Single-familyProperty Type
1978Year Built
0.33 acresLot Size
$96Price/Sq.Ft.
Listed by Jennifer Fisk• Housman Partners - Lake Area
Listed by Toni Stricklin• Housman Partners Real Estate
Bought with Stacey Arnold• Housman Partners - Murray
Location, location, location! This 3-bedroom, 2-bathroom fixer-upper in Pirates Cove presents an enticing opportunity with its seasonal water views and access to amenities like the clubhouse, pool, boat ramp, and campground through the HOA. While it requires some TLC, the potential is promising, especially with the possibility of adding a 4th bedroom in the basement. The front deck promises year-round enjoyment, offering picturesque views regardless of the season. Additionally, the property boasts a new furnace and hot water heater. With a bit of vision and effort, this property could transform into a charming retreat! Lake season is only a few months away!
Public Records
May 17, 2012
Sold
$74,000
$31/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$947 (−1.5%)
$10,000 + $86,000
$96,000
2024
$961 (−3.4%)
$10,000 + $86,000
$96,000
2023
$995 (+105.0%)
$10,000 + $86,000
$96,000
2022
$485 (−1.2%)
$5,000 + $40,000
$45,000
2021
$491 (−0.7%)
$5,000 + $40,000
$45,000
2020
$495
$5,000 + $40,000
$45,000
2019
$495 (−0.4%)
$5,000 + $40,000
$45,000
2018
$497
$5,000 + $40,000
$45,000
2017
$497 (−0.1%)
$5,000 + $40,000
$45,000
2016
$498 (−0.2%)
$5,000 + $40,000
$45,000
2014
$499 (+5.1%)
$5,000 + $40,000
$45,000
2013
$475
$5,000 + $40,000
$45,000
Public record
Beds
3
Baths
2
Stories
—
Lot width
—
Lot depth
—
Lot size
0.33 Acres
Year renovated
—
Sq. Ft.
1,052
Year built
1978
Style
Other
County
Marshall County
APN
74-0A-04-010.
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Aug 13, 2026.
Property details
Interior
Bathroom Information
Bathrooms (Full): 2
Heating & Cooling
Has Heating
Heating: Forced Air
Cooling: Central Air
Interior Features
Below Grade Finished Area: 660
Appliances: Dishwasher, Microwave, Refrigerator, Range
Window Features: Screens
Room Information
Rooms (Total): 8
Basement: Partially Finished
Fireplace: Yes
Exterior
Exterior Features
Foundation Details: Block
Roof: Dimensional Style, Shingle
Construction Materials: Vinyl Siding, Metal Siding
Lot Information
Lot Size Square Feet: 14,374.8
Lot Size Acres: 0.33
Water Body Name: Kentucky Lake
Property Information
Levels: One and One Half
Building Information
Building Area Total: 2,396
Utilities
Utility Information
Sewer: Septic Tank
Utilities: Sewer Available
Location
Location Information
County Or Parish: Marshall
Directions: From US-641 S/US-68/US Hwy 68 E, continue straight onto US-68, turn right onto St Hwy 1364, turn left onto KY-402, turn left onto Pirates Cove Rd, turn left onto Mermie Rd/Pirates Cove Rd. Destination will be on the right.
Public facts
Beds: 3
Baths: 2.0
Sq. Ft.: 1,052
Stories: —
Lot Size: 0.33 acres
Style: Other
Year Built: 1978
Year Renovated: —
County: Marshall County
APN: 74-0A-04-010.
Home facts updated by county records on Aug 13, 2026
Around this home
Schools
Jonathan Elementary School
Public PreK-5 • Assigned • 5.0mi
6/10
Marshall County High School
Public 9-12 • Assigned • 11.5mi
7/10
Provided by GreatSchools
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
5/10 Heat Factor
7 days above 109° expected this year, 20 days in 30 years
4/10 Wind Factor
8% chance of strong winds in next 30 years
1/10 Air Factor
0 unhealthy days expected this year, 0 days in 30 years
Provided by First Street
Historical weather
Hardin, KY • 42048
Average low and high temperatures (°F)
41
25
51
32
68
46
75
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86
69
90
74
88
67
85
63
75
52
61
44
50
35
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
Try the sun simulator tool to see how light moves across the property at different times of day and year.
Provided by Shadowmap
Estimated sale price
$218,000 – $264,000
Sell confidently with a local market expert in Hardin.