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Welcome to your dream home in the prestigious Cumberland Shores gated community — where timeless craftsmanship meets year-round lake living. This stunning 4-bedroom, 3-bath custom brick home offers breathtaking, unobstructed views of the sparkling waters of Lake Cumberland all year long. Perfectly positioned to capture both sunrise serenity and golden evening reflections, this home blends elegance, comfort, and outdoor adventure. Boasting over 2,200 square feet (+/-) of thoughtfully designed living space, this home features rich hardwood floors that flow throughout the main living areas, adding warmth and sophistication. The spacious open-concept layout is perfect for entertaining, with generous living areas, abundant natural light, and picturesque lake views from multiple vantage points. The well-planned floor design includes four comfortable bedrooms and three full baths, offering ample space for family and guests alike. Step outside and take in peaceful mornings and relaxing evenings overlooking the water. A convenient walking path leads directly to the lake. For boating enthusiasts, you're just minutes from a nearby boat ramp, providing quick and easy access to endless days of fishing, cruising, and watersports. Located within the security and exclusivity of Cumberland Shores, this property offers privacy, scenic beauty, and the ultimate lake lifestyle — all while remaining conveniently close to local amenities. Whether you're searching for a full-time residence or the perfect lake retreat, this exceptional property delivers the very best of luxury living at Lake Cumberland. Call today to schedule a private showing!

4 Beds ⋅ 3 Baths ⋅ 26003358 MLS

Welcome to your dream home in the prestigious Cumberland Shores gated community — where timeless craftsmanship meets year-round lake living. This stunning 4-bedroom, 3-bath custom brick home offers breathtaking, unobstructed views of the sparkling waters of Lake Cumberland all year long. Perfectly positioned to capture both sunrise serenity and golden evening reflections, this home blends elegance, comfort, and outdoor adventure. Boasting over 2,200 square feet (+/-) of thoughtfully designed living space, this home features rich hardwood floors that flow throughout the main living areas, adding warmth and sophistication. The spacious open-concept layout is perfect for entertaining, with generous living areas, abundant natural light, and picturesque lake views from multiple vantage points. The well-planned floor design includes four comfortable bedrooms and three full baths, offering ample space for family and guests alike. Step outside and take in peaceful mornings and relaxing evenings overlooking the water. A convenient walking path leads directly to the lake. For boating enthusiasts, you're just minutes from a nearby boat ramp, providing quick and easy access to endless days of fishing, cruising, and watersports. Located within the security and exclusivity of Cumberland Shores, this property offers privacy, scenic beauty, and the ultimate lake lifestyle — all while remaining conveniently close to local amenities. Whether you're searching for a full-time residence or the perfect lake retreat, this exceptional property delivers the very best of luxury living at Lake Cumberland. Call today to schedule a private showing!

642 N Shore Dr, Monticello

$88,000

The Ideal "Balance" Location - Seclusion vs. Access: While this property offers the peaceful, "away from it all" feeling that lake properties are prized for, it is positioned just north of Monticello, KY.Proximity to Conveniences: You won't have to sacrifice modern necessities. Local pharmacies, hardware stores, restaurants, and a Walmart Supercenter are nearby in Monticello, and the larger city of Somerset, KY, is an easy drive away for expanded shopping and medical services. - Boating and Outdoor Recreation Marina Access: For boat owners, Beaver Creek Marina is only 7 miles away, meaning you can go from your front door to having your boat in the water in about 10 to 15 minutes.Nature at Your Doorstep: The 3/4-acre lot size provides plenty of space to maintain privacy while incorporating a custom home layout. The lot highlights the ability to hike directly from your property down to the shoreline, which is perfect if your family enjoys exploring the woods or lakeside beach combing. Community Infrastructure & Aesthetics Underground Utilities: This is a major premium for a rural/lake community. Underground lines protect the neighborhood's scenic views from unsightly poles and wires. More importantly, it offers superior reliability during heavy winter weather or summer storms when falling tree branches frequently knock out above-ground power lines.Security: Being a gated community adds a layer of security, keeping traffic limited mostly to residents and invited guests, which is ideal if the property will serve as a secondary seasonal home. Protective Restrictions & Low OverheadSensible HOAs/Fees: At $425 per year, the maintenance fee is incredibly low for a gated community with underground utilities.Value Protection: The minor restrictions (minimum 1,500 sq. ft. build, no mobile homes, campers, junk cars, or livestock) are standard for protecting your long-term property value. They ensure that neighbors build high-quality permanent structures, keeping the community aesthetics high without being overly restrictive on your architectural freedom.

26023379 MLS

The Ideal "Balance" Location - Seclusion vs. Access: While this property offers the peaceful, "away from it all" feeling that lake properties are prized for, it is positioned just north of Monticello, KY.Proximity to Conveniences: You won't have to sacrifice modern necessities. Local pharmacies, hardware stores, restaurants, and a Walmart Supercenter are nearby in Monticello, and the larger city of Somerset, KY, is an easy drive away for expanded shopping and medical services. - Boating and Outdoor Recreation Marina Access: For boat owners, Beaver Creek Marina is only 7 miles away, meaning you can go from your front door to having your boat in the water in about 10 to 15 minutes.Nature at Your Doorstep: The 3/4-acre lot size provides plenty of space to maintain privacy while incorporating a custom home layout. The lot highlights the ability to hike directly from your property down to the shoreline, which is perfect if your family enjoys exploring the woods or lakeside beach combing. Community Infrastructure & Aesthetics Underground Utilities: This is a major premium for a rural/lake community. Underground lines protect the neighborhood's scenic views from unsightly poles and wires. More importantly, it offers superior reliability during heavy winter weather or summer storms when falling tree branches frequently knock out above-ground power lines.Security: Being a gated community adds a layer of security, keeping traffic limited mostly to residents and invited guests, which is ideal if the property will serve as a secondary seasonal home. Protective Restrictions & Low OverheadSensible HOAs/Fees: At $425 per year, the maintenance fee is incredibly low for a gated community with underground utilities.Value Protection: The minor restrictions (minimum 1,500 sq. ft. build, no mobile homes, campers, junk cars, or livestock) are standard for protecting your long-term property value. They ensure that neighbors build high-quality permanent structures, keeping the community aesthetics high without being overly restrictive on your architectural freedom.

40 Village Point Ln, Monticello

$15,000

Bring your floor plans settle in down at the lake. Mostly level lakefront 1.08 acre lot (you would probably have a walkout basement). With the trees cleared you would have a really nice lake view. And there are boat ramps in the area for lake access. Restrictions are minor, 1500 sq ft minimum- no mobile homes or campers, no junk cars, no livestock. Underground utilities. The annual homeowner membership fee is $400 to cover general property maintenance. You don't want a junked up neighborhood do you? They don't make anymore lake property the saying goes. Make sure you get yours. Cumberland Shores is a gated community just north of Monticello, KY. Conley Bottom Marina is about 20 minutes away and Beaver Creek Marina is only 7 miles away as are several nearby ramps for easy lake access. Mostly done as a vacation home development. The lots were sold as future investments so they can build later when they retire. Underground utilities and a low tax rate make this a highly desirable property.

26011033 MLS

Bring your floor plans settle in down at the lake. Mostly level lakefront 1.08 acre lot (you would probably have a walkout basement). With the trees cleared you would have a really nice lake view. And there are boat ramps in the area for lake access. Restrictions are minor, 1500 sq ft minimum- no mobile homes or campers, no junk cars, no livestock. Underground utilities. The annual homeowner membership fee is $400 to cover general property maintenance. You don't want a junked up neighborhood do you? They don't make anymore lake property the saying goes. Make sure you get yours. Cumberland Shores is a gated community just north of Monticello, KY. Conley Bottom Marina is about 20 minutes away and Beaver Creek Marina is only 7 miles away as are several nearby ramps for easy lake access. Mostly done as a vacation home development. The lots were sold as future investments so they can build later when they retire. Underground utilities and a low tax rate make this a highly desirable property.

Lot 47 Cumberland Shores, Monticello

$6,000

Beautiful acre building lot in Cumberland Shores a gated community north of Monticello, KY. It would be a great lot for a walkout basement home with aq front loading garage. It's a short hike to the lake, close to several ramps. Lots of privacy! Fewneighbors, underground utilities and a low tax rate make this a highly desirable property. Think Gatlinburg!! Restrictions are minor, 1500 sq ft minimum- no mobile homes or campers, no junk cars, no livestock. Maintenance fee is $425/year to keep up the place. You don't want a junked up neighborhood do you? Beaver Creek Marina is only 7 miles away for easy lake access. Despite being next to the lake and giving the feeling of 'being away from it all,' great shopping including a Walmart Super Center, restaurants, pharmacies, hardware stores and more are close by in Monticello and beautiful Somerset is just a short drive away. They don't make anymore lake property the saying goes. Make sure you get yours.

25010360 MLS

Beautiful acre building lot in Cumberland Shores a gated community north of Monticello, KY. It would be a great lot for a walkout basement home with aq front loading garage. It's a short hike to the lake, close to several ramps. Lots of privacy! Fewneighbors, underground utilities and a low tax rate make this a highly desirable property. Think Gatlinburg!! Restrictions are minor, 1500 sq ft minimum- no mobile homes or campers, no junk cars, no livestock. Maintenance fee is $425/year to keep up the place. You don't want a junked up neighborhood do you? Beaver Creek Marina is only 7 miles away for easy lake access. Despite being next to the lake and giving the feeling of 'being away from it all,' great shopping including a Walmart Super Center, restaurants, pharmacies, hardware stores and more are close by in Monticello and beautiful Somerset is just a short drive away. They don't make anymore lake property the saying goes. Make sure you get yours.

103 Cumberland Shrs, Monticello