Buying Land in Kentucky: 5 Things You Should Know First

🌾 Buying Land in Kentucky: 5 Things You Should Know First

There’s something timeless about owning land in Kentucky—rolling hills, big skies, and the freedom to build (or not build) exactly what you want. Whether you're dreaming of a hobby farm, hunting retreat, or future homestead, buying land is an exciting move. But it’s a lot different than buying a house.

Here are 5 things you need to know before buying land in Central Kentucky:

1. 📍 Know the Zoning & Land Use Rules

Not all land is created equal. Before you fall in love with a piece of property, check:

• Zoning – Is it agricultural, residential, or something else?

• Deed restrictions – Can you build what you want? Have livestock? Rent it out?

• Surrounding land use – Are you okay living near a cow pasture or farm equipment?

💡 Tip: Your Realtor should help you contact the county and double-check everything.

2. 💧 Check Water Access & Septic Possibility

Most rural land in Kentucky won’t be connected to city sewer—so you’ll likely need a septic system and a water meter hookup (or possibly a well or cistern).

Before closing, find out:

• Can a standard septic system be installed? (A perk test may be required)

• Is county water available at the road?

• How close is electric service?

Some land looks perfect… until you realize you can’t build what you want without expensive improvements.

3. 🚜 Consider Topography & Soil

The beauty of Kentucky land is in its hills and valleys—but that can also affect:

• Buildability – Can you get a driveway in? Will a basement flood?

• Agricultural use – Is the soil good for gardening or livestock?

• Drainage – Is it prone to washouts or soggy areas?

A few photos might not tell the whole story—walk it if you can, or get drone views if it’s a large parcel.

4. 💸 Factor in Costs Beyond the Sale Price

Raw land is often cheaper up front—but don’t forget:

• Driveway installation

• Water/electric connections

• Fencing, clearing, or grading

• Survey and soil tests

💡 Bonus tip: Talk to your lender early—land financing is different than a typical home loan.

5. 🧭 Work With Someone Who Knows the Land Market

Land deals aren’t one-size-fits-all. You need a local agent who knows:

• Which counties are investor-friendly

• Where to find properties before they hit the market

• Who to call for surveys, fences, or septic contractors

As a local Realtor who specializes in farms, land, and rural property, I’ll walk you through the whole process—from the first showing to the closing table.

🚜 Ready to Buy Your Piece of Kentucky?

Whether you’re after 5 acres or 50, I’d love to help you find the right property. Let’s find your perfect spot to build, breathe, or just be still.

Mimi Iverson, Realtor
📍 Serving Boyle County, Mercer, Lincoln & Central KY
📞 (859) 310-2814 | 📩 Mimi@WelcometoKentucky.com
🔗Find your perfect Kentucky home here