642 N Shore Drive Monticello, KY $ 399,000
642 N Shore Drive
$ 399,000
Recently Listed
Share Save

642 N Shore Drive

Monticello, KY, 42633
$ 399,000
Bedrooms4 Baths3.0 Sq 2,250

Monthly Estimate*

$ 2,457

642 N Shore Drive, Monticello, KY 42633 - Image 1
642 N Shore Drive, Monticello, KY 42633 - Image 2
642 N Shore Drive, Monticello, KY 42633 - Image 3
642 N Shore Drive, Monticello, KY 42633 - Image 4
642 N Shore Drive, Monticello, KY 42633 - Image 5
642 N Shore Drive, Monticello, KY 42633 - Image 6
642 N Shore Drive, Monticello, KY 42633 - Image 7
642 N Shore Drive, Monticello, KY 42633 - Image 8
642 N Shore Drive, Monticello, KY 42633 - Image 9
642 N Shore Drive, Monticello, KY 42633 - Image 10
642 N Shore Drive, Monticello, KY 42633 - Image 11
642 N Shore Drive, Monticello, KY 42633 - Image 12
642 N Shore Drive, Monticello, KY 42633 - Image 13
642 N Shore Drive, Monticello, KY 42633 - Image 14
642 N Shore Drive, Monticello, KY 42633 - Image 15
642 N Shore Drive, Monticello, KY 42633 - Image 16
642 N Shore Drive, Monticello, KY 42633 - Image 17
642 N Shore Drive, Monticello, KY 42633 - Image 18
642 N Shore Drive, Monticello, KY 42633 - Image 19
642 N Shore Drive, Monticello, KY 42633 - Image 20
642 N Shore Drive, Monticello, KY 42633 - Image 21
642 N Shore Drive, Monticello, KY 42633 - Image 22
642 N Shore Drive, Monticello, KY 42633 - Image 23
642 N Shore Drive, Monticello, KY 42633 - Image 24
642 N Shore Drive, Monticello, KY 42633 - Image 25
642 N Shore Drive, Monticello, KY 42633 - Image 26
642 N Shore Drive, Monticello, KY 42633 - Image 27
642 N Shore Drive, Monticello, KY 42633 - Image 28
642 N Shore Drive, Monticello, KY 42633 - Image 29
642 N Shore Drive, Monticello, KY 42633 - Image 30
642 N Shore Drive, Monticello, KY 42633 - Image 31
642 N Shore Drive, Monticello, KY 42633 - Image 32
642 N Shore Drive, Monticello, KY 42633 - Image 33
642 N Shore Drive, Monticello, KY 42633 - Image 34
642 N Shore Drive, Monticello, KY 42633 - Image 35
642 N Shore Drive, Monticello, KY 42633 - Image 36
642 N Shore Drive, Monticello, KY 42633 - Image 37
642 N Shore Drive, Monticello, KY 42633 - Image 38
642 N Shore Drive, Monticello, KY 42633 - Image 39
642 N Shore Drive, Monticello, KY 42633 - Image 40
642 N Shore Drive, Monticello, KY 42633 - Image 41
642 N Shore Drive, Monticello, KY 42633 - Image 42
642 N Shore Drive, Monticello, KY 42633 - Image 43
642 N Shore Drive, Monticello, KY 42633 - Image 44
642 N Shore Drive, Monticello, KY 42633 - Image 45
642 N Shore Drive, Monticello, KY 42633 - Image 46
642 N Shore Drive, Monticello, KY 42633 - Image 47
642 N Shore Drive, Monticello, KY 42633 - Image 48
642 N Shore Drive, Monticello, KY 42633 - Image 49
642 N Shore Drive, Monticello, KY 42633 - Image 50
642 N Shore Drive, Monticello, KY 42633 - Image 51
642 N Shore Drive, Monticello, KY 42633 - Image 52
642 N Shore Drive, Monticello, KY 42633 - Image 53
642 N Shore Drive, Monticello, KY 42633 - Image 54
642 N Shore Drive, Monticello, KY 42633 - Image 55
642 N Shore Drive, Monticello, KY 42633 - Image 56
642 N Shore Drive, Monticello, KY 42633 - Image 57
642 N Shore Drive, Monticello, KY 42633 - Image 58
642 N Shore Drive, Monticello, KY 42633 - Image 59
642 N Shore Drive, Monticello, KY 42633 - Image 60

Single Family Home for sale in Monticello, KY

for $399,000 with 4 bedrooms and 3 full baths. This 2,250 square foot home was built in 2011 on a lot size of 0.88.

Welcome to your dream home in the prestigious Cumberland Shores gated community — where timeless craftsmanship meets year-round lake living. This stunning 4-bedroom, 3-bath custom brick home offers breathtaking, unobstructed views of the sparkling waters of Lake Cumberland all year long. Perfectly positioned to capture both sunrise serenity and golden evening reflections, this home blends elegance, comfort, and outdoor adventure. Boasting over 2,200 square feet (+/-) of thoughtfully designed living space, this home features rich hardwood floors that flow throughout the main living areas, adding warmth and sophistication. The spacious open-concept layout is perfect for entertaining, with generous living areas, abundant natural light, and picturesque lake views from multiple vantage points. The well-planned floor design includes four comfortable bedrooms and three full baths, offering ample space for family and guests alike. Step outside and take in peaceful mornings and relaxing evenings overlooking the water. A convenient walking path leads directly to the lake. For boating enthusiasts, you're just minutes from a nearby boat ramp, providing quick and easy access to endless days of fishing, cruising, and watersports. Located within the security and exclusivity of Cumberland Shores, this property offers privacy, scenic beauty, and the ultimate lake lifestyle — all while remaining conveniently close to local amenities. Whether you're searching for a full-time residence or the perfect lake retreat, this exceptional property delivers the very best of luxury living at Lake Cumberland. Call today to schedule a private showing!

See more

Single Family Active

Price

$ 399,000

Bedrooms

4

Full Bath

3

Property Type

Single Family

Taxes

$ 0

Style

Single Family Residence

Lot Size

0.88

Year Built

2011

Town/City

Monticello

County/Region

Wayne

MLS | Web ID

26003358

Features
Interior
Interior Amenities Eat-in Kitchen Entrance Foyer Walk-In Closet(s)
Flooring Carpet Hardwood
Basement (Y/N) Y
Air Conditioning Y/N Y
Heating Y/N Y
Window Features Blinds
Fireplace Y/N N
Above Grade Finished Area 1500.0
Half Baths 0
Laundry Features Electric Dryer Hookup Washer Hookup
Total Bedrooms 4
Below Grade Finished Area 750.0
Total Baths 3
Heating-Heat Pump True
See more
General
Sewer Septic Tank
Heating Heat Pump
Cooling Central Air
Utilities Electricity Available
Possession Negotiable
Roof Shingle
Appliances Microwave Range Refrigerator
HOA Fee 200.0
Garage Spaces 1.0
Construction Materials Brick Veneer
Year Built 2011
View Lake
Levels Two
Property Subtype Single Family Residence
Parcel Number 036-10-01-046.00
Assoc Fee Paid Per Annually
County Wayne
New Construction N
Property Type Residential
HOA Y
Attached Garage N
Subdivision Name Cumberland Shores
Garage Y/N Y
Total Rooms 11
Full Baths 3
Status Active
Directions From KY Hwy 90 turn onto W Ky Hwy 92 and go 1.5 miles turn slightly right onto Hwy 789 and proceed 4 miles turn right onto Denny Ridge Rd go .2 mile once inside the gate at Cumberland Shores Subdivis
High School Wayne Co
City Monticello
Body of Water Lake Cumberland
High School District Wayne County - 70
MLS Area 070 - Wayne County
Lot Size Units Acres
Lot Size Square Feet 38332.8
Carport Y/N N
Elementary School Bell
Land Lease Y/N N
Home Warranty Y/N N
Middle/Junior High School Wayne Co
MLS Area Minor 070 - Wayne County
Lease Considered Y/N N
Rent Control Y/N N
Structure Type House
Standard Status Active
Senior Community None
See more
Exterior
Parking Features Basement
Water Source Public
Lot Size Area 0.88
Foundation Details Concrete Perimeter
Building Area Total 2250.0
Lot Size Acres 0.88
Lot Size Source Public Records
Waterfront Y/N Y
Other Equipment Dehumidifier
Crops Included Y/N N
Horse Y/N N
Irrigation Water Rights Y/N N
See more
Internal Only
Street Number 1 642
See more
* Excluded Features
List By
No Wake Real Estate

Broker

hg@nowakerealestate.com

Email

Affordability Calculator

$2,457
Per Month
100%
0%
0%
Monthly Principal & Interest
$2,457
Monthly Property Taxes
--
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save

Discover how much house you can afford

Your dream home may be within reach.

Learn More about how to save

The time to sell is now
THE TIME TO SELL IS NOW! What's my home worth?
Nearby
3440493 Elementary School
3292849 Middle School
Wayne Co High School High School
Pricing History
DatePricePrice ChangeDescription
2/24/2026$399,000 Listed Price

Map


See all

642 N Shore Drive, Monticello, KY, 42633 is a Single Family Home for sale at $399,000 with 2,250 sqft and a lot size of 0.88. 642 N Shore Drive has 4 bedrooms, 3.0 baths, and was built in 2011. The property's zip code is 42633 which is in Monticello, KY