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5 Beds
3 Baths
4,106 sqft

$675,000

1095 Old Lock 21 Road, Monticello KY, 42633

Price per sqft$164.39
Built in1998
Property size4,106 sqft
Property typeResidential

Overview

Active

Listed Sep 29, 2026

Updated 7 days ago

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.

$4,491/mo

Est. mortgage payment based on a $675,000 home price.

All estimates are provided by Luxury Presence for informational purposes only. Actual amounts may vary.

Additional information

MLS® ID
247488

Interior Features

Bedrooms
5
Bathrooms
3
Fireplace
Yes
Cooling
Yes
Heating
Yes
Basement
No

Exterior Features

Lot Size
2.12 Acres

Other Property Details

Taxes
$4,953
Tax Frequency
Annually
Garage
Yes
View
Yes
Waterfront
Yes
MLS provider logo

Listed by Bobbie Stone with eXp Realty
Listing Contact: 8885195113 

The IDX display contains information sourced from the Upper Cumberland Association of REALTORS® as of 10/16/2026. This data is intended solely for personal, non-commercial use and is not to be utilized for any other purposes except to identify potential properties for purchase. Although the MLS data displayed is typically considered reliable, it is not guaranteed to be accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and are advised to conduct their own investigations or seek professional assistance. Other sources besides the Listing Agent may have contributed to the MLS data presented. Unless expressly specified in writing, the Broker/Agent has not confirmed any information obtained from external sources. The Broker/Agent may or may not have acted as the Listing and/or Selling Agent and cannot guarantee the accuracy of property locations displayed on any map. Any compensation offers are solely made to participants of the MLS where the listing is registered.

©2026 Upper Cumberland Association of REALTORS® all rights reserved.

Data last updated on 10/16/2026 at 5:12 AM UTC

 

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