About This Home

This 5-bedroom, 3-bathroom single family at 1095 Old Lock 21 Road in Monticello, KY is listed for $675,000 ($164 per sqft). Built in 1998, the home offers 4,106 sqft of living space on a 2.12 acres lot.

Key Features

  • Built in 1998
  • 2.12 acre lot
  • 6 parking spaces
  • Fireplace
  • Waterfront

Property Details

1 story
3 full
6 spaces
1998

Amenities

FireplaceWaterfrontViewHardwoodA/C
Listing Description

Lake lover's 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.

Monthly Cost Estimate

$3,860/mo

20% down · 6.5% · 30 years

Principal$488
Interest$2,925
Insurance$197
HOA$250

Estimates only. Actual payments may vary.

Location

1095 Old Lock 21 Road

Monticello, KY 42633

Features & Amenities

Interior Features

Central VacuumNew PaintCeiling Fan(s)Vaulted Ceiling(s)Walk-In Closet(s)

Property Details

Flooring

New floor coveringTileHardwoodCarpet

Construction

Frame Vinyl Siding

Views

LakeWater

Outdoor Features

DeckPatioPorch

Parking

Underground/BasementOpenGarage

Heating

Electric (Heating)

Cooling

Central Air

Appliances

Electric Water HeaterDishwasherRefrigeratorElectric RangeMicrowaveWasherDryer

Questions & Answers

This 5-bedroom, 3-bathroom single family at 1095 Old Lock 21 Road is listed at $675,000 ($164/sqft). The estimated monthly payment is $3,860 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $250/month.

Key features include: Built in 1998, 2.12 acre lot, 6 parking spaces, Fireplace, Waterfront. Interior Features: Central Vacuum, New Paint, Ceiling Fan(s).

This property is listed by Bobbie Stone.

BS

Bobbie Stone

Agent at EXP REALTY LLC

Listed by EXP REALTY LLC · Broker phone: (888) 519-5113 · View on Broker Site

MLS# 247488· Source: Upper Cumberland Association of Realtors· 5 days on PropertySimple

Copyright © 2026 Upper Cumberland Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

1095 Old Lock 21 Road, Monticello, KY 42633

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