81 White Oak Lane
Monticello, KY, 42633 $ 389,000
Bedrooms2 Baths1.0 Sq 900 Monthly Estimate*
$ 2,395
for $389,000 with 2 bedrooms and 1 full bath. This 900 square foot home was built in 2021 on a lot size of 1.32.
Built in 2021 and tucked into a peaceful, golf-cart friendly Lake Cumberland community, this move-in-ready property offers flexibility, privacy, and lake lifestyle convenience all in one package. The main home features 2 bedrooms, 1 full bath, and an open-concept living/kitchen layout with durable LVP flooring throughout. The kitchen offers white shaker cabinetry, butcher block countertops, subway tile backsplash, stainless appliances, and recessed lighting, creating a clean, modern lake-cottage feel. The living area is bright and inviting with double doors leading to a spacious covered porch - perfect for relaxing after a day on the water. The full bath includes a tiled walk-in shower with glass door and updated vanity, continuing the low-maintenance, newer-construction appeal. Outside, enjoy extensive covered porch space with ceiling fans, composite decking on the house porch, ideal for entertaining or unwinding in the wooded setting. A major bonus is the detached garage with finished guest quarters, offering 1 bedroom, 1 bath, and its own mini-split HVAC system - perfect for guests, or private workspace. Also deck space beside garage for grilling, entertaining guest and relaxing. The property sits on three lots being sold together (approx. 1.32 acres +/-) and includes an additional lot already equipped with a RV hookup with septic, electric, and water in place, providing incredible flexibility for overflow guests or additional income potential. Located just minutes from Conley Bottom Marina and close to two private boat ramps, this home is ideal as a full-time residence, weekend getaway, or short-term rental investment near Lake Cumberland. If you've been looking for newer construction, extra space for guests, and lake access convenience - this one checks the boxes.
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FeaturesInteriorInterior Amenities Primary Downstairs
Basement Crawl Space
Flooring Tile
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Fireplace Y/N N
Above Grade Finished Area 900.0
Half Baths 0
Laundry Features Main Level
Total Bedrooms 2
Below Grade Finished Area 0.0
Total Baths 1
Heating-Heat Pump True
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GeneralSewer Septic Tank
Heating Electric Heat Pump
Cooling Central Air Heat Pump
Possession Close Of Escrow
Roof Metal
Appliances Dryer Microwave Range Refrigerator Washer
Garage Spaces 2.0
Patio/Porch Features Deck Porch Front Porch Side Porch
Construction Materials Vinyl Siding
Year Built 2021
View Rural Trees/Woods
Levels One
Property Subtype Single Family Residence
Parcel Number LL-01-008.00
County Wayne
New Construction N
Property Type Residential
HOA N
Attached Garage N
Subdivision Name Cumberland Ridge Estates
Garage Y/N Y
Other Structures Guest House
Total Rooms 5
Full Baths 1
Status Active
Directions Turn onto HWY 2393 turn left onto white oak lane second house on the left.
High School Wayne Co
City Monticello
High School District Wayne County - 70
MLS Area 070 - Wayne County
Lot Size Units Acres
Lot Size Square Feet 57499.2
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
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ExteriorParking Features Detached Garage
Lot Features Wooded
Water Source Public
Lot Size Area 1.32
Foundation Details Concrete Perimeter
Building Area Total 900.0
Lot Size Acres 1.32
Lot Size Source Public Records
Waterfront Y/N N
Crops Included Y/N N
Horse Y/N N
Irrigation Water Rights Y/N N
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* Excluded FeaturesList ByRe/Max Country LakesBroker
dylanjonesrealestate@gmail.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $2,395
- 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 NearbySingle family listings in Monticello, KY
Average List Price $239,994
Percent of Sale Price 38%
About Monticello, KY 6,475 Population
3% Since 2002
$ 26,350 Median Income
39.69 Median Age
25% Households with Children
Trends Information provided by ATTOM Data Solutions.
3440493 Elementary School
3292849 Middle School
Wayne Co High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 3/25/2026 | $389,000 | | Listed Price |