450 White Oak Drive
Nancy, KY, 42544 $ 599,900
Bedrooms3 Baths3.1 Sq 2,992 Monthly Estimate*
$ 3,694
for $599,900 with 3 bedrooms and 3 full baths, 1 half bath. This 2,992 square foot home was built in 2009 on a lot size of 3.
LAKEFRONT LIVING AT ITS FINEST! Whether you're searching for the ultimate retreat or a full-time residence, this stunning 3-bedroom, 3.5-bath custom waterfront home offers it all. Enjoy breathtaking, year-round lake views and approximately 400 feet of shoreline on beautiful Lake Cumberland—a true paradise for boating, fishing, and outdoor living. Set on 3± acres, this property presents incredible potential for expansion, investment, or even VRBO opportunities. Designed and built by a builder for his own use, every detail reflects quality craftsmanship and thoughtful design. The main level features an open-concept great room with soaring ceilings, a dramatic stone gas-log fireplace, and expansive windows perfectly positioned to capture serene lake and wooded views. The spacious dining area flows seamlessly into the living space, while the private primary suite offers a spa-like ensuite bath complete with a large ceramic-tiled shower, jetted tub, and walk-in closet. Also on the main level: a dedicated home office with custom wood cabinetry and a convenient laundry room. Rich hickory hardwood flooring runs throughout. The walk-out lower level is equally impressive, featuring a large family room with a second stone gas-log fireplace and custom built-in media wall. Two generously sized bedrooms each include private ensuite baths and oversized walk-in closets. Durable LVP flooring extends throughout the lower level, which opens to a covered concrete patio—perfect for relaxing or entertaining. Step outside to enjoy the expansive wraparound deck with two covered, vaulted wood-accented areas—ideal for taking in the peaceful surroundings and watching eagles soar overhead. The low-maintenance exterior features durable Hardie board siding. Additional highlights include an oversized concrete driveway, attached 2-car garage, and a separate 22x30 boathouse/workshop with electric. A short walk or ATV ride leads you directly to the water, and you're just minutes from White Oak Boat Ramp and Lees Ford Marina. Abundant wildlife, unmatched views, and endless possibilities—this waterfront gem is a rare find.
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FeaturesGeneralSewer Septic Tank
Heating Forced Air
Cooling Heat Pump
Possession Negotiable
Appliances Dishwasher Microwave Range Refrigerator
Garage Spaces 4.0
Patio/Porch Features Patio Porch
Construction Materials HardiPlank Type
Year Built 2009
View Lake
Levels Two
Property Subtype Single Family Residence
Parcel Number 023-5-0-01
County Pulaski
New Construction N
Property Type Residential
HOA N
Attached Garage N
Subdivision Name Rural
Garage Y/N Y
Other Structures Shed(s)
Total Rooms 2
Full Baths 3
Status Active
Directions Hwy 27 to W Hwy 80. Follow to Hwy 235. Take Hwy 235 to Mill Springs Rd on the right. Make the first Right onto White Oak and Drive to home is on the right. No sign Latitude: 36.979032 Longitude: -84.
High School Southwestern
City Nancy
Body of Water Lake Cumberland
High School District Pulaski County - 45
MLS Area 906 - Northwest Pulaski County
Lot Size Units Acres
Lot Size Square Feet 130680.0
Carport Y/N N
Elementary School Nancy
Land Lease Y/N N
Home Warranty Y/N N
Middle/Junior High School Southern
MLS Area Minor 906 - Northwest Pulaski County
Lease Considered Y/N N
Rent Control Y/N N
Structure Type House
Standard Status Active
Senior Community None
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InteriorFlooring Laminate Tile Wood
Total Fireplaces 2
Fireplace Features Basement Living Room
Basement (Y/N) Y
Air Conditioning Y/N Y
Heating Y/N Y
Window Features Blinds
Fireplace Y/N Y
Above Grade Finished Area 2992.0
Half Baths 1
Laundry Features Main Level
Total Bedrooms 3
Below Grade Finished Area 0.0
Total Baths 4
Heating-Forced Air True
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ExteriorFencing None
Parking Features Attached Garage Detached Garage
Water Source Public
Lot Size Area 3.0
Foundation Details Concrete Perimeter
Building Area Total 2992.0
Lot Size Acres 3.0
Lot Size Source Public Records
Waterfront Y/N Y
Crops Included Y/N N
Horse Y/N N
Irrigation Water Rights Y/N N
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* Excluded FeaturesList ByKeller Williams Bluegrass Realty - Lake CumberlandBroker
Affordability Calculator
- Monthly Principal & Interest
- $3,694
- 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 Nancy, KY
Average List Price $342,630
Percent of Sale Price 43%
About Nancy, KY 5,861 Population
4% Since 2002
$ 38,896 Median Income
47.6 Median Age
20% Households with Children
Trends Information provided by ATTOM Data Solutions.
3289992 Elementary School
3292833 Middle School
Southwestern High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 5/6/2026 | $599,900 | | Listed Price |