78 White Oak Lane, Monticello, KY 42633

• 3 beds |
• 2 baths |
• 1,985 sqft

Property Description

Looking for a cozy retreat near Lake Cumberland? This unique home is just minutes from both Lakeshore Community Dock and Fall Creek Recreation Area, with prestigious Conley Bottom Resort less than 4 miles away! You'll have plenty of room for lake toys with the massive two-story, oversized 2-car garage. And invite your friends--there is ample parking available out front of this 3-bedroom 2-full-bathroom home. Follow wooden walkways to the front door of this sprawling cottage, Enter into the open concept great room--a living room, dining room and kitchen, with a gorgeous, extra-large "u" shaped countertop island in the center of the space! You'll love the updated finishes and cool lake-inspired color scheme throughout this fully furnished "cabin." The split floor plan offers a large primary suite on one side, featuring a walk-in closet and private bathroom with dual vanities, a large soaking tub and convenient separate shower stall. Across the living room you'll find a foyer between two beautifully decorated bedrooms and a full bath. The kitchen offers lots of cabinets and almost endless countertops--and a huge central island that's sure to be your favorite gathering spot. Stainless appliances and white cabinetry give this home an updated appeal. Just off the kitchen is the laundry room with matching washer and dryer and extra storage. Step down into the large family room in the back of the house and enjoy lounging on the electric reclining sofa while watching the large format TV. There's plenty of room for puzzles and game night on the extra dining table and chairs you'll find in this space. With windows all around and doors on either side of the family room, you'll have quick access to the expansive deck outdoors. Show off your barbeque skills on the included propane grill, or sink into the comfortable patio furniture while you enjoy views of the adjacent woods and occasional wildlife in your private backyard. The bottom level of the garage has double doors for easy access and would make an amazing man-cave. (or she-shed)! This bonus "downstairs garage" space is also perfect for storage. (A garden shed on the property could use some repairs or replacement.) Come visit this cozy getaway before it's gone! Did I mention, all furniture stays? This property can also be used as an income producing investment since it is approved by the HOA for use as a short term rental.

Listing Status:

Pending

Date Added:

March 27, 2026

Data Last Updated:

April 5, 2026 at 12:41AM

Listing Office:

Key Players Real Estate : 859-559-0071

MLS ID:

26006159

Interior

• General: Breakfast BarEat-in KitchenPrimary First FloorWalk-In Closet(s)Ceiling Fan(s)Soaking Tub
• Appliances: DryerDishwasherMicrowaveRefrigeratorWasherRangeSelf Cleaning Oven
• Laundry: Electric Dryer HookupMain LevelWasher Hookup
• Basement: Crawl Space
• Flooring: CarpetLaminateVinyl
• A/C: ElectricHeat Pump
• Heating: ElectricHeat Pump

Exterior

• General: Outdoor GrillShed(s)
• Style: Ranch
• Other Structures: Shed(s)
• Parking: Detached GarageDrivewayGarage Door OpenerGarage Faces Front

Construction

• Roofing: Metal
• Windows: BlindsScreens
• General: Vinyl SidingOneOne and One HalfConcrete PerimeterPillar/Post/Pier

Location

• HOA Amenities: Other50.0Annually
• Originating MLS: Imagine MLS (Bluegrass REALTORS®)
• School District: Wayne County - 70
• County: Wayne

Lot

• Zoning: LL-01-01800
• View: Trees/WoodsView
• Fencing: Partial

Utilities

• Utilities: Cable ConnectedSewer ConnectedWater Connected
• Water: Public
• Sewer: Septic Tank

Financial

• Source: Imagine MLS (Bluegrass REALTORS®)