1095 Old Lock 21 Road
Monticello, KY, 42633 $ 675,000
Bedrooms5 Baths3.0 Sq 4,106 Monthly Estimate*
$ 4,262
for $675,000 with 5 bedrooms and 3 full baths. This 4,106 square foot home was built in 1998 on a lot size of 2.1153.
Lake lovers paradise! This custom waterfront home boasts beautiful views of Lake Cumberland, a slip in the private community (new) dock and a trail leading to the water! The main level features an expansive living area; large kitchen; spacious dining room; 3 bedrooms, including the primary suite with private deck; 2 bathrooms; utility room and 2 car garage. On the lower level, you'll find 10' ceilings, another full kitchen, 2 bedrooms, a bathroom, living area, expansive flex space, utility room, air-conditioned workshop and more garage space. The outdoor living area with 1/2 wrap around porch, new fire pit and stunning views make this home the complete package. There is also a 32x36 detached garage which provides even more garage space for your water toys. Other features include (2) 200 Amp panels in house, (1) 100 Amp panel in garage and a central vac system. Updates include: new roof (2023); new carpet, paint, basement kitchen countertops and smart thermostat (2024). This home is being sold furnished (exceptions to be provided), including the small boat in basement, and is MOVE-IN READY! With 4,000sf+ of living area, 2,000sf+ of garage space, views, water access, an available boat slip and more, this is definitely a unique opportunity! Minutes from Conley Bottom via water.
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FeaturesInteriorInterior Amenities New Floor Covering New Paint Ceiling Fan(s) Vaulted Ceiling(s) Smoke Detector Garage Door Opener Security System Walk-In Closet(s) Other
Basement 1
Beds 5
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GeneralSewer Septic Tank
Construction Frame
Heating Propane
Cooling Central Air
Possession AtClosing
Roof Shingle
Appliances Dishwasher Refrigerator Electric Range Microwave Washer Dryer Central Vacuum
Laundry Y/N Main Level Lower Level Other
Water Public Utility District
Water Heater Electric
Fireplaces Two Insert Gas Log See Through
Full Baths 3
Half Baths 0
Electric Circuit Breakers Other-See Remarks
Subdivision Other
County Wayne Ky
Levels One
HOA Dues 250.00
Status Active
Patio/Deck Porch Covered Patio Deck Balcony
Area Wayne Co. KY
Directions From Hwy. 90 in Monticello turn onto Hwy. 92 East then turn right onto Hwy. 789. After about 0.3 miles continue onto to Old Lock 21 Rd. The property is about 1 mile down on the left. Signs posted.
Waterfront Other-See Remarks
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ExteriorExterior Amenities Paved Streets Concrete Driveway Outbuilding(s) Other
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* Excluded FeaturesList ByBobbie StoneListing Agent
bobbiestonerealtor@gmail.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $4,262
- Monthly Property Taxes
- $413
- 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 $305,198
Percent of Sale Price 55%
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.
2633377 Elementary School
2633378 Middle School
Unknown High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 9/29/2026 | $675,000 | | Listed Price |