Your Home.
Your Keys.
Your Life.
Military spouse. Licensed REALTOR®. VA loan specialist. Ruby Pannell with Advantage Realtors — helping buyers, sellers, and military families make their move with confidence in Hopkinsville KY, Clarksville TN, and the entire Fort Campbell region.
This Market Is
Personal to Her
Ruby Pannell began her real estate career in 2020 in Tennessee and expanded to Kentucky in 2021 — building a track record of 45 closed sales totaling $12.3M across the Fort Campbell region. As a mother of three boys and military spouse, she navigates PCS orders, VA lending, BAH calculations, and relocation from the inside.
Licensed with Advantage Realtors under 22-year broker Karen Chiles, Ruby holds dual KY/TN licensure with a proven network spanning Hopkinsville, Oak Grove, Clarksville, White House TN, and surrounding communities. Specialties include distressed properties, first-time buyers, investments, luxury homes, new construction, and veteran programs.
What Is Your
Home Worth Today?
Your home is likely your biggest asset — and its value changes every month. Ruby's Free Home Equity Report gives you a real-time snapshot of your home's current market value, your estimated equity position, and how your neighborhood is trending.
Sign up once and receive a personalized monthly update delivered straight to your inbox — so you always know exactly where you stand, whether you're planning to sell, refinance, or simply build long-term wealth.
Active Listings
Browse current homes for sale in Hopkinsville, Clarksville, Oak Grove, and surrounding areas.
Ask Ruby about any listing — she knows this market block by block.
Active
Co-Listing
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Co-Listing
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Listing Agent
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Buyer Agent
Ruby has 45 closed transactions totaling $12.3M across KY and TN. Don't see what you're looking for? She has full MLS access — including off-market and pre-list properties.
Request a Custom Search →Ready to Buy?
Whether you're a first-time buyer, using your VA benefit, or relocating on PCS orders — Ruby guides you through every step from pre-approval to keys in hand.
- 1Get pre-approved with preferred VA-certified lender Christopher Shank
- 2Define your search criteria, budget, and timeline with Ruby
- 3View homes — in person or remotely via virtual tour
- 4Submit strategic offer backed by Ruby's negotiation expertise
- 5Inspections, appraisal, clear-to-close — Ruby manages all of it
Ready to Sell?
The Hopkinsville market is moving. Ruby uses Karen's 22-year network, professional photography, full MLS syndication, and targeted digital campaigns to maximize your return.
- 1Free comparative market analysis — know your home's true value
- 2Professional photography and custom marketing materials
- 3MLS listing + Zillow, Realtor.com, Homes.com syndication
- 4Open houses, social media campaigns, agent network outreach
- 5Negotiate best terms, manage closing — maximize your net proceeds
Military Families
Deserve a Specialist
Ruby is a military spouse — she's lived the PCS life. She builds her entire service model around military timelines, VA benefits, and the unique demands of the Fort Campbell region.
Whether you're civilian or military, you get the same mission-level commitment.
VA Loan Payment Estimator
2025 Fort Campbell BAH Rates
| Grade | With Deps | No Deps | Covers Pmt? |
|---|---|---|---|
| E-4 | $1,614 | $1,281 | Partial |
| E-5 | $1,815 | $1,452 | Partial |
| E-6/E-7 | $1,980 | $1,620 | ✓ Yes |
| E-8/E-9 | $2,148 | $1,764 | ✓ Yes |
| W-1/W-2 | $1,980 | $1,620 | ✓ Yes |
| O-1/O-2 | $1,980 | $1,620 | ✓ Yes |
| O-3+ | $2,274+ | $1,926+ | ✓ Yes+ |
From Hopkinsville to Nashville.
Every Gate. Every Zip.
Dual licensed in Kentucky and Tennessee — Ruby covers the full Fort Campbell commuter belt and beyond.
What People Are Saying
"We PCS'd from Germany with 60 days notice and Ruby had us under contract before we even landed. VA loan, inspection, closing — she managed everything. We walked into our house the week I reported."
"We are a military family that's moved many times over 20 years with multiple Realtors. The Advantage Realtors team is by far the best. Ruby and Karen make time for you and know this market cold."
"Ruby understood exactly what I needed as a transitioning veteran. She helped me use my VA benefit strategically — not just buy a house but build a foundation. She was thinking about my future, not just the commission."
Your Next Move
Starts Here
Buyer, seller, military family, investor — Ruby responds within 24 hours. Usually much faster.
1506 S. Virginia St, Hopkinsville, KY 42240
Office: (270) 885-7653
TN Lic. #358051 · KY Lic. #274936
(513) 939-4544
Send Ruby a Message
All inquiries welcome — buyers, sellers, military families, investors, and just-curious browsers.
Advantage Realtors &
Karen Chiles
Ruby operates under the mentorship and oversight of Karen Chiles — Principal Broker and owner of Advantage Realtors in Hopkinsville, KY since 1990. Office: (270) 885-7653. Karen's 22-year track record, dual KY/TN licensure, and investment portfolio expertise give every Ruby Pannell client access to the deepest local network in Christian County.
Karen also owns Rentals For You — a direct pipeline to active investors and rental buyers that gives sellers additional off-market exposure unavailable through other brokerages.
- Broker/Owner, Advantage Realtors — Hopkinsville, KY
- Licensed in Kentucky and Tennessee
- Owner of Rentals For You — investor/buyer pipeline
- 22+ years of Christian County market expertise
- Specialist in historical, renovated, and investment properties
- ★★★★★ rated — multiple verified military family clients
Follow Ruby Online
New listings, market updates, VA loan tips, and behind-the-scenes of the Hopkinsville market — follow Ruby across every platform.