1560 Bell Phipps Road
Monticello, KY, 42633 $ 485,000
Bedrooms4 Baths3.1 Sq 2,177 Monthly Estimate*
$ 3,062
for $485,000 with 4 bedrooms and 3 full baths, 1 half bath. This 2,177 square foot home was built in 2014 on a lot size of 2.5.
Rare opportunity to own a one of a kind property on approximately 2.5 secluded, wooded acres just minutes from two concrete boat ramps on beautiful Lake Cumberland. Whether you're looking for a full time residence, vacation home, or investment property with short term rental potential, this unique estate offers endless possibilities. The custom built primary home features soaring 12 foot ceilings, crown molding, stained glass windows, custom built-ins, abundant cabinetry and countertop space, a walk-in pantry, steam room, laundry chute, an oversized walk-in shower in the primary suite, and a built-in bed with integrated storage. An unfinished upper level with 12-foot ceilings offers excellent potential for additional bedrooms, a game room, home office, or expanded living space. The detached guest house is located above the oversized two-bay garage and is ideal as a mother-in-law suite, private guest quarters, or income-producing Airbnb. It features a full kitchen, spacious living area with king-size sleeping space, a full bath with a walk-in shower, two built-in twin window beds, and a loft for additional sleeping accommodations. The garage level also includes a laundry area and convenient half bath. Outside, you'll enjoy multiple decks, two covered porches, a screened-in porch, beautifully landscaped grounds, peaceful sitting areas, and a fire pit. This would be perfect for entertaining or relaxing after a day on Lake Cumberland. Underground utilities and city water provide modern convenience while preserving the property's private, natural setting. Properties offering this combination of privacy, acreage, proximity to Lake Cumberland, guest accommodations, and short-term rental potential are hard to find. Schedule your private showing today.
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FeaturesInteriorInterior Amenities Ceiling Fan(s) Primary Downstairs Walk-In Closet(s)
Basement Crawl Space
Flooring Carpet Hardwood Tile
Total Fireplaces 2
Fireplace Features Electric Free Standing Gas Log Living Room Propane Ventless
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Window Features Blinds Screens
Fireplace Y/N Y
Above Grade Finished Area 2177.0
Half Baths 1
Laundry Features Electric Dryer Hookup Main Level Washer Hookup
Total Bedrooms 4
Below Grade Finished Area 0.0
Total Baths 4
Heating-Heat Pump True
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GeneralSewer Septic Tank
Heating Electric Heat Pump Propane Tank Leased
Cooling Attic Fan Electric Heat Pump
Utilities Electricity Connected Propane Connected Water Connected
Possession Close Plus 30 Days Negotiable
Roof Dimensional Style Shingle
Garage Spaces 3.0
Patio/Porch Features Deck Patio Porch Rear Patio Front Porch
Architectural Style Colonial
Construction Materials Brick Veneer HardiPlank Type
Year Built 2014
View Farm Lake Mountain(s) Rural Trees/Woods
Levels One
Property Subtype Single Family Residence
Parcel Number 014-00-00-009.04
County Wayne
New Construction N
Property Type Residential
HOA N
Attached Garage N
Subdivision Name Rural
Garage Y/N Y
Other Structures Guest House Shed(s) Workshop
Total Rooms 13
Full Baths 3
Status Active
Directions From highway 90 turn right onto highway 1546. Travel approximately 3.5 miles continue straight onto mural rd. Turn right onto Bell Phipps Rd. continue to the end of the road to the property on the ri
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 108900.0
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 House
Standard Status Active
Senior Community None
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ExteriorExterior Amenities Other
Parking Features Attached Garage Detached Garage Driveway Garage Door Opener Garage Faces Front Garage Faces Side
Lot Features Secluded Wooded
Water Source Public
Lot Size Area 2.5
Foundation Details Concrete Perimeter
Building Area Total 2177.0
Lot Size Acres 2.5
Lot Size Source Public Records
Waterfront Y/N N
Crops Included Y/N N
Horse Y/N Y
Irrigation Water Rights Y/N N
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* Excluded FeaturesList ByNo Wake Real EstateBroker
brandon@nowakerealestate.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $3,062
- Monthly Property Taxes
- --
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 6.49% 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 $292,138
Percent of Sale Price 40%
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 |
|---|
| 7/24/2026 | $485,000 | | Listed Price |