518 Elk Road Owenton, KY ^$ 399,000

518 Elk Road

^$ 399,000

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Recently Listed

518 Elk Road

Owenton, KY, 40359

^$ 399,000

Bedrooms2 Baths2.0 Sq 1,872

Monthly Estimate*

^$ 2,457

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Single Family Home for sale in Owenton, KY

for $399,000 with 2 bedrooms and 2 full baths. This 1,872 square foot home was built on a lot size of 0.48.

Beautifully updated 2-bedroom, 2-bath waterfront retreat! Enjoy stunning views from two spacious decks, or step down to your covered dock with boat lift--perfect for boating, fishing, or relaxing by the water. This home offers an open, airy layout with modern updates throughout, making it ideal for full-time living or a weekend getaway.'' There is a one time membership fee of $3,500 and annual HOA dues are $2,500 per year.

Single Family Active

Price

^$ 399,000

Bedrooms

Full Bath

Property Type

Single Family

Taxes

^$ 0

Style

Cottage

Lot Size

0.48

Town/City

Owenton

County/Region

Owen

MLS | Web ID

641187

Features

General

Living Area 1872.0

Sewer Septic Tank

Heating Forced Air

Cooling Central Air

Utilities Cable Available

Roof Shingle

HOA Fee 2500.0

Garage Spaces 0.0

Patio/Porch Features Covered Tiered Deck

Architectural Style Cottage

Construction Materials Vinyl Siding

Full Baths 2

Half Baths 0

View Lake

Levels Two

Property Subtype Single Family Residence

Assoc Fee Paid Per Annually

County Owen

New Construction No

Property Type A

Association Amenities Lake Year Round

HOA Yes

Attached Garage No

Total Rooms 4

Status Active

Directions Follow 127 to Owenton Continue straight onto KY-227 S/KY-22 E/Main St  Continue to follow KY-227 S/KY-22 E  1.5 mi Turn right onto KY-227 S  2.0 mi Turn left on

High School Owen County High

City Owenton

School District Owen Co Public

MLS Area K22 - Owen Cty

Lot Size Units Acres

Lot Size Square Feet 20992.0

Elementary School Owen County Elementary

Property Attached Y/N No

Middle/Junior High School Maurice Bowling Middle School

Property Condition Existing Structure

MLS Area Minor K22 - Owen Cty

Structure Type House

Living Area Units Square Feet

Standard Status Active

Interior

Basement Walk-Out Access Finished Full Finished Bath

Kitchen Appliances Electric Range Washer/Dryer Stacked Refrigerator Microwave

Air Conditioning Y/N Yes

Heating Y/N Yes

Window Features Vinyl Frames

Fireplace Y/N No

Total Bathrooms 2.0

Laundry Features Electric Dryer Hookup

Room Type Bathroom 2 Primary Bath Family Room Bedroom 2 Primary Bedroom

Total Baths 2

Total Bedrooms 2

Exterior

Parking Features Driveway

Water Source Public

Lot Size Area 0.48

Foundation Details Poured Concrete

Building Area Total 1872.0

Lot Dimensions 73 X 291

Lot Size Acres 0.48

Lot Size Source Realist

Land Lease Type Fee

* Excluded Features

List By

Ashcraft Real Estate Services

Broker

mindy@ashcraftrealty.com

Affordability Calculator

$2,457

Per Month

Monthly Principal & Interest: $2,457
Monthly Property Taxes: --
Monthly Home Insurance: --

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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

Trends
Schools

Single family listings in Owenton, KY

Average List Price ^$369,588

Percent of Sale Price 7%

About Owenton, KY

1,288 Population

2% Since 2002

^$34,772 Median Income

40.28 Median Age

25% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

3163353 Elementary School

3163371 Middle School

Owen County High High School

See complete school information

Pricing History

Date	Price	Price Change	Description
4/3/2026	$399,000		Listed Price

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518 Elk Road, Owenton, KY, 40359 is a Single Family Home for sale at $399,000 with 1,872 sqft and a lot size of 0.48. 518 Elk Road has 2 bedrooms and 2.0 baths. The property's zip code is 40359 which is in Owenton, KY

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: 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.

Listing data provided courtesy of the Internet Data Exchange Program of the Northern KY Multiple Listing Service, Inc.

The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of the Northern KY Multiple Listing Service, Inc. Real Estate listings held by brokerage firms (licensees) other than Weichert Realtors include the name of the listing brokers.

The information being provided is for consumers' personal, non-commercial use and may not be reproduced or redistribute. Its sole purpose is to be used for no other purpose than to identify prospective properties consumers may be interested in purchasing.

Data is updated as of 4/14/2026.

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518 Elk Road

Single Family Home for sale in Owenton, KY

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