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Patty Taylor
REALTOR®, NAR, Realtor, VU VA Certified, FHA Specialist
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81 White Oak Lane, Monticello, KY 42633

$389,000
  • 81 White Oak Lane, Monticello, KY 42633 Main Photo

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Active
BEDS2 BATHS1 full SQUARE FEET900 MLS#26005932
STATUS PROPERTY TYPEResidential - Single Family SUBDIVISIONCumberland Ridge Estates SCHOOLWayne County - 70

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.

81 White Oak Lane | MLS# 26005932

This single family home located at 81 White Oak Lane, Monticello, KY 42633 is currently listed for sale with an asking price of $389,000. This property has 2 bedrooms and 1 full baths with 900 sq. ft. White Oak Lane is located in the Cumberland Ridge Estates subdivision within the Wayne County - 70 school district. Search Cumberland Ridge Estates real estate on patty.salliedavidson.com today.

Property Features

Property Type: Residential - Single Family
Cooling: Central Air, Heat Pump
Fuel Type: Electric
Garage: 2
Heating: Electric, Heat Pump
Lot Size: 1.32 Acres
Roof Type: Metal
Stories: 1.0

Amenities

Primary First Floor

Feature Descriptions

Appliance Features: Dryer, Microwave, Refrigerator, Washer, Range
Basement Features: Crawl Space
Days on Site: 24
Exterior: Vinyl Siding
Flooring: Tile, Luxury Vinyl
Laundry: Main Level
Laundry Features: Main Level
Lot Dimensions: 1.320 acre(s)
Lot Features: Wooded
Parcel #: LL-01-008.00
Parking Notes: Detached Garage
Rooms Total: 5
Structures: Guest House
Structure Type: House
Wooded: Yes

Local Schools

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

Listed By / Shown By

Listed By

Agency Name: Re/Max Country Lakes

Shown By

Agent Name: Patty Taylor
Agent Phone: (606) 682-4305
Agency Title: SALLIE DAVIDSON, REALTORS

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Estimated Payment

$ 1,510.89 per month $1,397.43 Principal & Interest $0.00 Property Tax (data not provided by mls) $113.46 Homeowner's Insurance

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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 04/18/2026. The listing information on this page last changed on 04/18/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Sat 04/18/2026 12:02:12 AM EST) or Imagine MLS (last updated Fri 04/17/2026 11:15:15 PM EST). Real estate listings held by brokerage firms other than SALLIE DAVIDSON, REALTORS may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
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Agency License Information: SALLIE DAVIDSON REALTORS, KENTUCKY


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