This charming waterfront, cypress home with metal roof has plenty of room for weekend and holiday gatherings. The property features a panoramic lake view. The deck or sunroom are perfect to enjoy morning coffee or evening sunsets. This unique cabin-like home features 4 bedrooms and 3 full baths. Downstairs has separate front and back entrances, a large main suite and spacious great room for guest den or office. Upstairs features a main suite, two guest bedrooms and two full baths. The den with stone fireplace connects to the dining area and remodeled kitchen, with granite counter tops and stainless appliances. Walk out sunroom is adjacent to the dining area. The Cypress exterior was recently stained. Boat slips are available a short distance down the road. Pirates Cove offers a clubhouse and pool with a very reasonable HOA fee. Life is just better at the Lake! Come and view this property today.
Single-familyProperty Type
1970Year Built
0.53 acresLot Size
$186Est. Price/Sq.Ft.
2 garage spacesParking
Listed by Cecil Wolberton Jr.• Re/Max Real Estate Associates - Murray
Bought with Cecil Wolberton Jr.• Re/Max Real Estate Associates - Murray
Amazing waterfront home on Jonathan Creek area of Kentucky Lake! Home features custom-milled cypress wood exterior, newer metal roof, replacement Pella windows. Designed and well-maintained for entertaining with an open floor plan featuring large LR/dining area, kitchen with huge counter space for fish fry and holiday buffets, 12x18 sunroom with sliding windows. 3 BRs and 2 baths on upper level, 4th bedroom and bath on lower level with huge bonus room for extra gathering space or sleepovers. Master suites on upper and lower levels--three of the bedrooms walk out onto balcony and patio areas. Adjacent playground and bath house, marina with designated boat slip, community inground pool, and beautiful sunsets! What more could you want!
Year
Property tax
Land + Additions
Assessment*
2025
$2,662 (+10.8%)
$35,000 + $235,000
$270,000
2024
$2,402 (−3.4%)
$25,000 + $215,000
$240,000
2023
$2,486 (−3.9%)
$25,000 + $215,000
$240,000
2022
$2,587 (−1.2%)
$25,000 + $215,000
$240,000
2021
$2,620 (−0.7%)
$25,000 + $215,000
$240,000
2020
$2,639 (+14.3%)
$25,000 + $215,000
$240,000
2019
$2,310 (−0.4%)
$20,000 + $190,000
$210,000
2018
$2,319
$20,000 + $190,000
$210,000
2017
$2,322 (−0.1%)
$20,000 + $190,000
$210,000
2016
$2,325 (−0.3%)
$20,000 + $190,000
$210,000
2014
$2,333 (+5.3%)
$20,000 + $190,000
$210,000
2013
$2,216
$20,000 + $190,000
$210,000
Tax history for 549 Mermie
Year
Property tax
Land + Additions
Assessment*
2025
$2,662 (+10.8%)
$35,000 + $235,000
$270,000
2024
$2,402 (−3.4%)
$25,000 + $215,000
$240,000
2023
$2,486 (−3.9%)
$25,000 + $215,000
$240,000
2022
$2,587 (−1.2%)
$25,000 + $215,000
$240,000
2021
$2,620 (−0.7%)
$25,000 + $215,000
$240,000
2020
$2,639 (+14.3%)
$25,000 + $215,000
$240,000
2019
$2,310 (−0.4%)
$20,000 + $190,000
$210,000
2018
$2,319
$20,000 + $190,000
$210,000
2017
$2,322 (−0.1%)
$20,000 + $190,000
$210,000
2016
$2,325 (−0.3%)
$20,000 + $190,000
$210,000
2014
$2,333 (+5.3%)
$20,000 + $190,000
$210,000
2013
$2,216
$20,000 + $190,000
$210,000
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Appliances: Dryer, Dishwasher, Microwave, Refrigerator, Washer, Range
Flooring: Carpet, Vinyl, Wood
Room Information
Basement: Crawl Space
Fireplace: Yes
Exterior
Exterior Features
Roof: Metal
Construction Materials: Wood Siding
Lot Information
Lot Size Square Feet: 23,086.8
Lot Size Acres: 0.53
On Waterfront: Yes
Property Information
Levels: Multi/Split
Building Information
Building Area Total: 2,420
Utilities
Utility Information
Sewer: Septic Tank
Utilities: Cable Available, Sewer Available
Location
HOA Information
Has Association
Association Fee Frequency: Annually
Location Information
County Or Parish: Marshall
Directions: Bridge is out on 402 east of Hardin. From Murray take hwy 80 to Aurora, left on 402 at Dollar General, go two miles, right on Pirates Cove Rd continue thru stop sign to Mermie. Last house on left. From 68 N Turn right at DG on 402,right on Pirates Cove
Public facts
Beds: 4
Baths: 2.0
Sq. Ft.: 1,640
Stories: —
Lot Size: 0.42 acres
Style: Other
Year Built: 1970
Year Renovated: —
County: Marshall County
APN: 74-0A-03-047.
Home facts updated by county records on Aug 13, 2026
Around this home
Schools
Jonathan Elementary School
Public PreK-5 • Assigned • 4.6mi
6/10
Marshall County High School
Public 9-12 • Assigned • 11.1mi
7/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
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
6/10 Heat Factor
7 days above 109° expected this year, 21 days in 30 years
4/10 Wind Factor
9% 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)
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85
63
75
52
61
44
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35
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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
$428,000 – $518,000
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