81 White Oak Lane, Monticello, KY 42633

• 2 beds |
• 1 bath |
• 900 sqft

Property Description

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.

Listing Status:

Active

Date Added:

March 25, 2026

Data Last Updated:

April 5, 2026 at 12:41AM

Listing Office:

Re/Max Country Lakes : 606-200-5061

MLS ID:

26005932

Interior

• General: Primary First Floor
• Appliances: DryerMicrowaveRefrigeratorWasherRange
• Laundry: Main Level
• Basement: Crawl Space
• Flooring: TileLuxury Vinyl
• A/C: Central AirHeat Pump
• Heating: ElectricHeat Pump

Exterior

• General: Guest House
• Other Structures: Guest House
• Parking: Detached Garage

Construction

• Roofing: Metal
• General: Vinyl SidingOneConcrete Perimeter

Location

• Originating MLS: Imagine MLS (Bluegrass REALTORS®)
• School District: Wayne County - 70
• County: Wayne

Lot

• Zoning: LL-01-008.00
• View: RuralTrees/WoodsView

Utilities

• Water: Public
• Sewer: Septic Tank

Financial

• Source: Imagine MLS (Bluegrass REALTORS®)