Waterfront Property in Kentucky for Sale near Hardinsburg
Owner Financing Available! (see details below)
Find perfect tranquility here on the water and let your summers be endless again!
- Water Frontage on Sinking Creek – 279 feet!
- No Restrictions!
- Easy Access w/Public Road Frontage
- Power along Road
- High Homesite Clear of All Floodplain & Wetlands
- Only 8 mins to groceries
- Cheap Taxes
- Priced Well Below Market
Peaceful Retreat on Sinking Creek – Rosetta Waterfront Estates, KY
If you’ve been dreaming of a peaceful waterfront escape where nature, privacy, and value all come together, this 2.2 acre property in Breckinridge County, Kentucky absoluteyly brings it. It’s located within the platted community of Rosetta Waterfront Estates and offers 279 feet of beautiful Sinking Creek frontage, creating a serene backdrop for relaxing weekends, fishing, and reconnecting with the outdoors.
Tucked along Abbey Lane, a public road, the property’s likely build zone rests safely outside all floodplain and wetlands, giving you confidence and flexibility for your upcoming build. Build whatever you want too, because one of the most attractive features of this property is its lack of restrictions. There are no HOA rules or deed limitations, allowing you to truly make this property your own. Whether you envision a recreational cabin, site built home, mobile home, workshop, or simply enjoying the land as-is, the freedom is yours.
Despite the quiet, natural setting, convenience is close at hand. Groceries are just 8 minutes down the road at Dollar General, and you’re only 20 minutes from major shopping, Walmart, and services in Hardinsburg. Ownership costs stay low as well, with property taxes of only $250 last year.
Waterfront properties with this much frontage and no restrictions rarely come to market—especially at this price range. If you’ve been waiting for a truly unique Kentucky creekside retreat, this one deserves your attention. Grab it today at an unbeatable Acretown price!
Call or text Scott directly at 314.639.9777 or email info@acretown.com if you have any questions or would like to make an offer.
Si habla español, por favor pida por Andy en nuestro equipo y él estará encantado de ayudarle.
We’ve posted a lot of info below – including critical instructions for visiting the property – so please keep reading!
Best Deal in the Market – Check Zillow or Redfin and You’ll Agree!
After opening this map, you may see even more information about the area by clicking on Map Legend, then Overlays.
- ADDRESS (street # estimated – use GPS for navigation): 181 Abby Ln, Irvington, KY 40146
- SIZE: 2.2 acres
- GPS COORDINATES: 37.787397, -86.273141
- PARCEL #: RW-13 + RW-14
- ABRIDGED LEGAL DESCRIPTION: Lot Only Rw 13 Rw 14
- FULL LEGAL DESCRIPTION: view here
- PLAT MAP/SURVEY: view here (get County’s boundary/KML file here – opens in Google Earth)
- TITLE: General Warranty deed (clean – no back taxes, no liens)
- MINERAL RIGHTS: any mineral rights we own will convey to buyer (we have no knowledge of severance of mineral rights by a previous owner)
- DIMENSIONS (approximate): starting at the south corner, 367′ NE (along road) x 313′ NW x 279′ SW (along river) x 335′ SE to POB
- FLOODPLAIN: approximately 35 feet into property from creek (view map here)
- WETLANDS: approximately 20 feet into property from creek (and within the floodplain)
- ELEVATION: 581 feet for homesite area, 545 feet at creek
- TERRAIN: mostly flat in front, sloped in back towards creek
- CONDITION: undeveloped, mostly wooded
- ACCESS: 367 feet of direct frontage on Abbey Lane, a public gravel road
- POWER: available along road frontage (Meade County RECC, 270-756-5172)
- WATER: well would need to be installed
- WASTEWATER: septic system would need to be installed
- The built-in savings you receive on all Acretown properties frees up extra money to install a variety of conventional and more modern, non-conventional septic systems, like mound systems, pressurized dosing, plastic chamber leach fields, aerobic treatment, etc. (which have become popular solutions in rare cases of non-satisfactory perc tests).
- TAXES: $261.46 in 2025
- HOA: none
- DEED RESTRICTIONS: none
- ZONING: no zoning, NO RESTRICTIONS – do what you want with your land!
- homes and accompanying outbuildings such as garages, workshops, barns are all OK
- no size/height restriction on homes/structures on the lot
- no setback requirements
- no time limit to build – leave the lot as-is for as long as you want or need
- RVs, campers, mobile homes, cabins, tiny homes are all OK
- animals, livestock, etc OK
- no HOA or CC+R’s
- or, simply leave it as-is and enjoy being surrounded by nature!
- homes and accompanying outbuildings such as garages, workshops, barns are all OK
- SCHOOL DISTRICTS: Custer (Elementary) – Breckinridge County (Middle School) – Breckinridge County (High School)
- NEAREST CITIES: Hardinsburg < Radcliff < Louisville
- NEAREST AIRPORTS: Breckinridge County Airport (21 mins), Louisville International (1 hr 1 min)
- COUNTY GOVERNMENT:
- Assessor (270) 756-5154
- Treasurer (270) 756-5113
- Clerk/Recorder (270) 756-2246
- County GIS
You can go view the property at your convenience – owner does not need to accompany. Please call/text us to let us know you’re heading out, so we can (1) confirm its availability (our land does sell fast), and (2) ensure we have our phone on us in case you need help or have any questions. We’d appreciate a couple hours notice if possible. In case you lose cell phone service, it may be helpful to print off as many helpful documents as you can before you head out there.
DRIVING DIRECTIONS: Click HERE to open the destination in Google Maps, and simply enter your starting point to get step-by-step directions.
- From this link, you can press “Directions” (on the left), enter your starting point, and Google Maps will provide you with step-by-step directions.
- You can also click “Send to Phone” if you’re viewing this on your computer
- And “Save” to download the directions so they’ll still work if you lose cell service.
If for some reason you’re having trouble with that link, you can navigate to GPS coordinates: 37.787397, -86.273141
WALKING THE PROPERTY LINES w/YOUR PHONE: We highly recommend downloading Google Earth to your phone if you don’t already have it. Then . . .
- Download the property boundary file (called a KML or KMZ file) here. You may be prompted to click “download” one more time, so do that . . . OR you may be prompted to immediately open the file with Google Earth and, in that case, do that and ignore the remaining steps. Otherwise . . .
- Open Google Earth
- Go to the main menu (the three horizontal lines at the top left of the screen), then Projects > Open > Import KML file > select the KML file you just downloaded (it should show up on that screen).
Now you should be able to see the property lines on the map, and the green dot represents where you’re currently standing. This is a very important tool to learn BEFORE you head out there. Please call us if you have any questions about it.
Mountain Laurel Lake offers peaceful waters surrounded by forest, making it a favorite for kayaking, fishing, and wildlife watching. For a family-friendly outing, Eva Carman Park features open green spaces, sports facilities, and playgrounds perfect for a casual afternoon outdoors. Those looking for more rugged adventure can head to the North Fork Recreation Area, known for its picnic spots, hiking trails, and access to prime fishing along the river. For everyday essentials, the nearest town for groceries and Walmart is Hardinsburg, which also offers a variety of restaurants, shops, and medical services. The nearest major city, Elizabethtown, provides expanded retail, dining, and entertainment options for when you want more to explore.
NEARBY – Mountain Laurel Lake (12 mins), Eva Carman Park (18 mins), North Fork Recreation Area (25 mins), Meade Olin Park (32 mins), Buttermilk Falls Trailhead (32 mins), Squire Boone Caverns (39 mins), Eastman Park (39 mins), Rough River Lake (41 mins), O’Bannon Woods State Park (58 mins), and more!
GARFIELD (8 mins, nearest grocery store – Dollar General)
HARDINSBURG (20 mins, nearest Walmart & grocery store)
- RETAIL – Walmart, IGA, Save A Lot, Dollar Tree, Family Dollar, B&B Produce, and more!
- RESTAURANTS – McDonalds, Taco Bell, Hardee’s, Dairy Queen, Subway, Burger King, and more!
- MEDICAL SERVICES? Yes, Kentucky Health and Wellness, Breckinridge Primary Care, Patel Medical Center & Urgent Care, and more!
- RECREATIONAL – Mountain Laurel Lake, Eva Carman Park, North Fork Recreation Area, Meade Olin Park, Buttermilk Falls Trailhead, Squire Boone Caverns, Eastman Park, Rough River Lake, O’Bannon Woods State Park
ELIZABETHTOWN (36 mins, nearest major city)
OWNER FINANCING: We do offer owner financing under the following terms:
- Owner Financed Price = $31,300
- Down Payment = $7,000
- Monthly Payment = $829.40
- Term = 3 years (36 months)
- Interest Rate = 10.9%
- No Pre-Payoff Penalty!
- No Bank, No Credit Check!
We have a two-week waiting period after the posting of our original MLS listing before we open up the owner-financing option. Also, if you would like to make a larger down payment in exchange for a slightly lower interest rate and/or fewer payments, we can certainly accomodate that, so just let us know! If you’d like to buy this property via owner financing, call or text Scott directly at 314.639.9777 or email him at info@acretown.com and we’ll get you set up!
OUTSIDE FINANCING: Your best deal for third-party financing will come from Farm Credit Mid-America, Rural 1st, or E-Construction Loans and their details are below:
Farm Credit Mid America is one of the best local land lenders in the area for rural properties and they require as little as 10% down up to a 30-year term, with interest rates as low as 7.55%, with no pre-payoff penalties. Please contact them by phone at (270) 756-5268 or visit their nearest office for more information: 1063 S Hwy 259, Hardinsburg, KY 40143.
Rural 1st is America’s leading land lender for rural properties and they require as little as 15% down on a 10 or 15-year fixed land loan, with no PMI, and they prefer a credit score of 720 or better. Please contact Michael Wirth by phone or email at (502) 553-8152 or michael.wirth@rural1st.com. They do serve Kentucky.
E-Construction Loans, Tim Jarvis, timjarvis@sbcglobal.net, (408) 238-4606: Tim is a land lender and offers loans at 10% down, 25-year amortization and a balloon payment in 10 years. Please contact him for all the details. They do serve Kentucky.
Call or text Scott directly at 314.639.9777 or email at info@acretown.com if you’d like to discuss an offer. If you’re a Spanish speaker, please ask for Andy on our team and he’ll be glad to help you.
FOR SALE BY OWNER: We are investors, and are selling this lot For Sale By Owner. You do not need to submit your offer through a real estate agent, and in our experience we close transactions more quickly and easily by having our dedicated transaction coordinator work directly with the Title Company and Buyers. We will also both save money on commission/fees by cutting out agents as the middle men. However, if you feel strongly about working with a realtor, then you’re welcome to have them contact us on your behalf. We do offer 2.5% commission to buyer agents.
WHY ARE YOU SELLING IT SO CHEAP? We are often asked why we price our properties at below market value, and the answer is really simple: because we can, and that’s our core business model. We are investors who purchase properties at a large volume and deeply liquidated rates, and by passing this discount on to our buyers, we can sell land quickly . . . and more of it! In fact, our average property only lasts 2-3 weeks on the market (vs. industry average of about 6 months).
DISCLAIMER: We attempt to provide detailed, accurate and up-to-date information in our listings, in order to help our buyers to the best of our ability. However, it ultimately remains the buyer’s responsibility to perform their own due diligence and double check any details that are of significant importance to you including acreage, utilities, buildability, and approved/allowable useage for the property. We are happy to help however we can.