81 White Oak Lane, Monticello, KY

$299,000

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2

Beds

1

Bath

900

Square feet

1.32

Acres

About 81 White Oak Lane

Unique lake property situated on three lots featuring a 2-bedroom, 1-bathroom home plus a detached garage with plenty of room for a boat up to 26 ft. The garage has a finished guest quarters offering an additional 1 bedroom and 1 bathroom. Built in 2021 and tucked into a peaceful, golf-cart friendly Lake Cumberland community, this move-in-ready property offers flexibility, privacy, and lake lifestyle convenience all in one package. The main home features 2 bedrooms, 1 full bath, and an open-concept living/kitchen layout with durable LVP flooring throughout. The kitchen offers white shaker cabinetry, butcher block countertops, subway tile backsplash, stainless appliances, and recessed lighting, creating a clean, modern lake-cottage feel. The living area is bright and inviting with double doors leading to a spacious covered porch - perfect for relaxing after a day on the water. The full bath includes a tiled walk-in shower with glass door and updated vanity, continuing the low-maintenance, newer-construction appeal. Outside, enjoy extensive covered porch space with ceiling fans, composite decking on the house porch, ideal for entertaining or unwinding in the wooded setting. A major bonus is the detached garage with finished guest quarters, offering 1 bedroom, 1 bath, and its own mini-split HVAC system - perfect for guests, or private workspace. Also deck space beside garage for grilling, entertaining guest and relaxing. The property sits on three lots being sold together (approx. 1.32 acres +/-) and includes an additional lot already equipped with a RV hookup with septic, electric, and water in place, providing incredible flexibility for overflow guests or additional income potential. Located just minutes from Conley Bottom Marina and close to two private boat ramps, this home is ideal as a full-time residence, weekend getaway, or short-term rental investment near Lake Cumberland. If you've been looking for newer construction, extra space for guests, and lake access convenience - this one checks the boxes.

Residential property for sale in Monticello, KY at 81 White Oak Lane. This 2 bedroom Residential property is priced at $332/sqft

Facts & Features of 81 White Oak Lane

MLS® # 26005932
Price $299,000
Bedrooms 2
Bathrooms 1.00
Full Baths 1
Square Footage 900
Acres 1.32
Year Built 2021
Type Residential
Sub-Type Single Family Residence
Status Active

Community Information of 81 White Oak Lane

Address 81 White Oak Lane
Area 070 - Wayne County
Subdivision Cumberland Ridge Estates
City Monticello
County Wayne
State KY
Zip Code 42633

Amenities of 81 White Oak Lane

Parking Detached Garage
# of Garages 2
View Rural, Trees/Woods
Is Waterfront No
Has Pool No

Interior of 81 White Oak Lane

Interior Features Primary First Floor
Appliances Dryer, Microwave, Refrigerator, Washer, Range
Heating Electric, Heat Pump
Cooling Central Air, Heat Pump
Fireplace No
Stories One
Basement Crawl Space
Primary Suite On Main floor Yes

Exterior of 81 White Oak Lane

Lot Description Wooded
Roof Metal
Construction Vinyl Siding
Foundation Concrete Perimeter

School Information On 81 White Oak Lane

District Wayne County - 70
Elementary Bell
Middle Wayne Co
High Wayne Co

Additional Information On 81 White Oak Lane

Date Listed March 24th, 2026
Foreclosure No
Short Sale No
RE / Bank Owned No

Listing Details On 81 White Oak Lane

OfficeRe/Max Country Lakes

Listing Map

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