78 White Oak Lane Monticello, KY $ 275,000
78 White Oak Lane
$ 275,000
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78 White Oak Lane

Monticello, KY, 42633
$ 275,000
Bedrooms3 Baths2.0 Sq 1,985

Monthly Estimate*

$ 1,693

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Single Family Home for sale in Monticello, KY

for $275,000 with 3 bedrooms and 2 full baths. This 1,985 square foot home was built in 2004 on a lot size of 0.45.

Looking for a cozy retreat near Lake Cumberland? This unique home is just minutes from both Lakeshore Community Dock and Fall Creek Recreation Area, with prestigious Conley Bottom Resort less than 4 miles away! You'll have plenty of room for lake toys with the massive two-story, oversized 2-car garage. And invite your friends--there is ample parking available out front of this 3-bedroom 2-full-bathroom home. Follow wooden walkways to the front door of this sprawling cottage, Enter into the open concept great room--a living room, dining room and kitchen, with a gorgeous, extra-large "u" shaped countertop island in the center of the space! You'll love the updated finishes and cool lake-inspired color scheme throughout this fully furnished "cabin." The split floor plan offers a large primary suite on one side, featuring a walk-in closet and private bathroom with dual vanities, a large soaking tub and convenient separate shower stall. Across the living room you'll find a foyer between two beautifully decorated bedrooms and a full bath. The kitchen offers lots of cabinets and almost endless countertops--and a huge central island that's sure to be your favorite gathering spot. Stainless appliances and white cabinetry give this home an updated appeal. Just off the kitchen is the laundry room with matching washer and dryer and extra storage. Step down into the large family room in the back of the house and enjoy lounging on the electric reclining sofa while watching the large format TV. There's plenty of room for puzzles and game night on the extra dining table and chairs you'll find in this space. With windows all around and doors on either side of the family room, you'll have quick access to the expansive deck outdoors. Show off your barbeque skills on the included propane grill, or sink into the comfortable patio furniture while you enjoy views of the adjacent woods and occasional wildlife in your private backyard. The bottom level of the garage has double doors for easy access and would make an amazing man-cave. (or she-shed)! This bonus "downstairs garage" space is also perfect for storage. (A garden shed on the property could use some repairs or replacement.) Come visit this cozy getaway before it's gone! Did I mention, all furniture stays? This property can also be used as an income producing investment since it is approved by the HOA for use as a short term rental.

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Single Family Active

Price

$ 275,000

Bedrooms

3

Full Bath

2

Property Type

Single Family

Taxes

$ 0

Style

Ranch

Lot Size

0.45

Year Built

2004

Town/City

Monticello

County/Region

Wayne

MLS | Web ID

26006159

Features
Interior
Interior Amenities Breakfast Bar Ceiling Fan(s) Eat-in Kitchen Primary Downstairs Walk-In Closet(s)
Basement Crawl Space
Flooring Carpet Laminate Vinyl
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Window Features Blinds Screens
Fireplace Y/N N
Above Grade Finished Area 1985.0
Half Baths 0
Laundry Features Electric Dryer Hookup Main Level Washer Hookup
Total Bedrooms 3
Below Grade Finished Area 0.0
Total Baths 2
Heating-Heat Pump True
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General
Sewer Septic Tank
Heating Electric Heat Pump
Cooling Electric Heat Pump
Utilities Cable Connected Sewer Connected Water Connected
Possession Negotiable
Roof Metal
Appliances Dishwasher Dryer Microwave Range Refrigerator Self Cleaning Oven Washer
HOA Fee 50.0
Garage Spaces 2.0
Association Fee Includes Other
Patio/Porch Features Deck Porch Front Porch
Architectural Style Ranch
Construction Materials Vinyl Siding
Year Built 2004
View Trees/Woods
Levels One One and One Half
Property Subtype Single Family Residence
Parcel Number LL-01-01800
Assoc Fee Paid Per Annually
County Wayne
New Construction N
Property Type Residential
HOA Y
Attached Garage N
Subdivision Name Cumberland Ridge Estates
Garage Y/N Y
Other Structures Shed(s)
Total Rooms 11
Full Baths 2
Status Active
Directions Take Hwy. 27 south from Somerset to KY-90 exit towards Bronston. Go about 14 miles on KY-90 (past the turnoff for Conley Bottom) to Highway 1275; turn right onto 1275 and travel about 4.6 miles past
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 19602.0
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 Manufactured House
Standard Status Active
Senior Community None
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Exterior
Exterior Amenities Outdoor Grill
Fencing Partial
Parking Features Detached Garage Driveway Garage Door Opener Garage Faces Front
Lot Features Landscaped Many Trees Wooded
Water Source Public
Lot Size Area 0.45
Foundation Details Concrete Perimeter Pillar/Post/Pier
Building Area Total 1985.0
Lot Size Acres 0.45
Lot Size Source Public Records
Waterfront Y/N N
Door Features Storm Door(s)
Crops Included Y/N N
Horse Y/N N
Irrigation Water Rights Y/N N
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Internal Only
Street Number 1 78
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* Excluded Features
List By
Key Players Real Estate

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$1,693
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Monthly Principal & Interest
$1,693
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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.
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Nearby
3440493 Elementary School
3292849 Middle School
Wayne Co High School High School
Pricing History
DatePricePrice ChangeDescription
3/27/2026$275,000 Listed Price

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78 White Oak Lane, Monticello, KY, 42633 is a Single Family Home for sale at $275,000 with 1,985 sqft and a lot size of 0.45. 78 White Oak Lane has 3 bedrooms, 2.0 baths, and was built in 2004. The property's zip code is 42633 which is in Monticello, KY