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$449,900
3 Beds 2 Baths 26019393 MLS
Escape to the beauty of Lake Cumberland with this charming 3 bedroom, 2 bath home with spacious 2 car basement garage situated on 2.439 acres in the Cumberland Ridge area. Whether you're searching for a full time residence, a relaxing vacation getaway, or a potential Airbnb investment, this property offers endless possibilities and can comfortably accommodate 8-10 guests. Enjoy beautiful views of Lake Cumberland and Conley Bottom Marina from the large bay window in the living room or while relaxing on the front porch. Recent updates include new LVP flooring, new windows in 2022, new gutters in 2025, new garage doors/side doors/front door/storm door in 2023, and a new partial wood privacy fence in 2026. The oversized basement garage offers plenty of space for vehicles, storage, a home gym, or an entertainment area. Located just minutes from Conley Bottom Marina and nearby boat ramps, this home provides easy access to boating, fishing, and all the recreation Lake Cumberland has to offer!

2247 Ky-2393, Monticello

$99,900
3 Beds 2 Baths 26018904 MLS
Turn-key Lake Cumberland retreat! This fully furnished 3-bedroom, 2-bathroom 16' x 76' manufactured home is move-in ready and perfect for enjoying lake life from day one. Nestled in a desirable lake community, you'll have a public boat ramp less than half a mile away, making it easy to spend your days boating, fishing, and exploring beautiful Lake Cumberland. A 10' x 12' storage building, only 5 years old, provides ample space for your boat, fishing gear, and all your lake toys. Conveniently located just minutes from Conley Bottom Marina, you'll enjoy quick access to the marina, waterfront dining, and endless outdoor recreation. Whether you're looking for a weekend getaway, vacation home, short-term rental investment, or full-time residence, this affordable, turn-key property offers everything you need to start making memories at the lake.

121 Shinbone Dr, Monticello

$130,000
2 Beds 1 Baths 26018568 MLS
Welcome to 183 Shoemaker Lane where you will find privacy and seclusion. This property has a lot to offer with 2 m/l acres of land, you will find a workshop, garage that has additions added to each side and a porch on the back. You will also find another cute building with storm shelter underneath, a cute playhouse, and chicken house. The home is a 1990 Clayton Mobile Home with an addition that has been started on the end. The home offers open concept with large living and kitchen, 2 bedrooms, bath and laundry area. In February of 2022 a new HVAC was installed, water heater was replaced in 2023. Home has front and back porch. Home has no carpet, laminate and vinyl flooring, At the back of the home you can walk down to Beaver Creek with waterfall that lots of folks enjoy seeing but is not part of this property. Lots of wooded areas behind the property, most of the outbuildings have electricity. Located close to the Sportsman Club this property has lots of potential. On the left as you enter the property there use to be another residence - mobile home site with electric, etc.

183 183 Shoemaker Ln Lane, Monticello

$127,000
3 Beds 1 Baths 26017860 MLS
Welcome to 102 Davis Street Monticello KY. Convenience and Affordability welcomes you to this 3-bedroom one bath home. This home has been remodeled to include wiring, new cabinets, flooring, and jetted tub in bathroom. The home has an open floor plan to include living room, kitchen and dining area. The kitchen has new custom cabinets, stainless steel appliances. All appliances as well as the stack washer and dryer will convey with the property. Home has cedar tongue and groove boards on some of the walls. The home is on a slab, with block on outside, with beautiful stone up on bottom of home. Front and side have wood siding from stone up. This property also offers ample driveway parking with plenty of space for multiple vehicles. The left and right side has fencing as current homeowner ran a daycare.

102 Davis St, Monticello

$65,000
26017858 MLS
Escape to the beauty of Lake Cumberland with this exceptional 6.9 acre mountainside property offering privacy, breathtaking natural surroundings, and outside development potential. A level building site with a concrete pad is already in place, and electric, water, and septic hookups are available, making it ready for your camper, vacation cabin, dream home, or permanent residence. Conveniently located 10 miles from Conley Bottom Boat Ramp and only 9 minutes from Walmart, this property combines the peace of country living with quick access to everyday convenience. Whether you're looking for a weekend retreat, an investment property, or the perfect place to build your forever home, this unique tract offers endless possibilities in one of Lake Cumberland's most desirable areas.

110 Cr-1476, Monticello

$1,645,000
5 Beds 4 Baths 26016949 MLS
Welcome to 305 Beech Street, a truly special Tudor-inspired home tucked along year-round Elk Creek in the heart of Monticello. Located within the city limits, this 23 +/- acre unique property offers the convenience of town with the peaceful feel of country living. Lovingly designed and enjoyed for generations, it is a place filled with beauty, character, and history. A winding asphalt driveway shaded by mature dogwood trees and lined with carefully trimmed evergreens welcomes you home. Inspired by the owners' travels through Europe, the grounds feature expansive lawns, mature shade trees, and a beautiful formal French garden with brick-lined beds, statuary, boxwoods, flowering arches of Sweet Autumn Clematis, a vegetable garden, and an automated irrigation system. In the spring, hundreds of daffodils bloom throughout the property, while the shady creekside setting provides the perfect place for picnics, cookouts, and simply enjoying nature. Built of native mountain stone, stucco, and custom milled fir trim, the home reflects exceptional craftsmanship and timeless style. A two-level screened gazebo porch with sliding glass windows creates a wonderful space to enjoy in every season. Inside, soaring beamed ceilings, hand-painted details, custom stained glass, beautiful millwork, and Italian porcelain flooring create a warm and inviting atmosphere. The spacious great room is centered around a striking custom stone fireplace with a heatilator system and flows easily into the dining room overlooking Elk Creek. The kitchen is both beautiful and functional, featuring custom cabinetry, quartz countertops, a center island, walk-in pantry, GE Monogram dual-fuel six-burner range with double ovens, KitchenAid appliances, and a cozy bay window breakfast area with views of the creek. The main-level primary suite offers an 11-foot beamed ceiling, stone fireplace with gas logs, sitting area, private deck, large walk-in closet, and a luxurious bath with heated floors, double shower, and clawfoot soaking tub. A guest bedroom and bath are also conveniently located on the main level. Upstairs is an additional private suite with custom built-ins, dormer windows, abundant storage, and its own bath. The walk-out basement provides generous additional living space with a fireplace, recreation areas, two more bedrooms, including one with an en suite bath, and plenty of storage. Additional features include three separate HVAC systems, an automatic generator, oversized garage, city water and sewer, and a new roof installed in May 2026. Rich in local history and surrounded by natural beauty, 305 Beech Street is more than just a house. It is a place where memories have been made for generations and where the next owners will have the opportunity to enjoy a truly remarkable setting along Elk Creek. Convenient location near Lake Cumberland in South Central Kentucky!

305 Beech St, Monticello

$1,645,000
5 Beds 4 Baths 26016942 MLS
Welcome to 305 Beech Street, a truly special Tudor-inspired home tucked along year-round Elk Creek in the heart of Monticello. Located within the city limits, this 23 +/- acre unique property offers the convenience of town with the peaceful feel of country living. Lovingly designed and enjoyed for generations, it is a place filled with beauty, character, and history. A winding asphalt driveway shaded by mature dogwood trees and lined with carefully trimmed evergreens welcomes you home. Inspired by the owners' travels through Europe, the grounds feature expansive lawns, mature shade trees, and a beautiful formal French garden with brick-lined beds, statuary, boxwoods, flowering arches of Sweet Autumn Clematis, a vegetable garden, and an automated irrigation system. In the spring, hundreds of daffodils bloom throughout the property, while the shady creekside setting provides the perfect place for picnics, cookouts, and simply enjoying nature. Built of native mountain stone, stucco, and custom milled fir trim, the home reflects exceptional craftsmanship and timeless style. A two-level screened gazebo porch with sliding glass windows creates a wonderful space to enjoy in every season. Inside, soaring beamed ceilings, hand-painted details, custom stained glass, beautiful millwork, and Italian porcelain flooring create a warm and inviting atmosphere. The spacious great room is centered around a striking custom stone fireplace with a heatilator system and flows easily into the dining room overlooking Elk Creek. The kitchen is both beautiful and functional, featuring custom cabinetry, quartz countertops, a center island, walk-in pantry, GE Monogram dual-fuel six-burner range with double ovens, KitchenAid appliances, and a cozy bay window breakfast area with views of the creek. The main-level primary suite offers an 11-foot beamed ceiling, stone fireplace with gas logs, sitting area, private deck, large walk-in closet, and a luxurious bath with heated floors, double shower, and clawfoot soaking tub. A guest bedroom and bath are also conveniently located on the main level. Upstairs is an additional private suite with custom built-ins, dormer windows, abundant storage, and its own bath. The walk-out basement provides generous additional living space with a fireplace, recreation areas, two more bedrooms, including one with an en suite bath, and plenty of storage. Additional features include three separate HVAC systems, an automatic generator, oversized garage, city water and sewer, and a new roof installed in May 2026. Rich in local history and surrounded by natural beauty, 305 Beech Street is more than just a house. It is a place where memories have been made for generations and where the next owners will have the opportunity to enjoy a truly remarkable setting along Elk Creek. Convenient location near Lake Cumberland in South Central Kentucky!

305 Beech St, Monticello

$69,900
1 Beds 1 Baths 26006448 MLS
This 2010 Keys Travel home sits on a spacious 0.37-acre lot, offering both comfort and added functionality with multiple outbuildings. The property features a well-maintained main residence, perfect for easy living or a weekend retreat. Outside, you'll find a detached outbuilding equipped with electricity, providing excellent potential for a guest space, or ideal for a workshop, storage, or hobby space. A second outbuilding adds even more convenience, complete with washer and dryer and breaker box, for utility use. With nearly four-tenths of an acre, there's plenty of room to enjoy outdoor living, gardening, or future improvements. This property offers a great combination of practicality and versatility, making it a solid option for homeowners or investors alike. Enjoy the lake with Beaver creek Marina/ resort within 1 mile. The property also comes with a washer and dryer refrigerator and a forty gallon water heater. If you were thinking of building a home the septic tank is more than adequate.

7939 Ky-92, Monticello

$64,900
26007807 MLS
Don't miss this rare opportunity to own a lightly restricted, hard to find property just minutes from Conley Bottom Marina! Located less than 3 miles away, this prime Lot #20 in Lighthouse Estates offers the perfect setup for your CAMPER, RV, barndominium, or dream vacation getawayThis desirable property is flat, cleared, and ready to use saving you time and money when you're ready to build or set up. Enjoy the convenience of underground utilities and access to water, all while taking in the peaceful surroundings and scenic farmland views that stretch in every direction. Whether you're looking for a weekend retreat, investment property, or future homesite near Lake Cumberland, this lot checks all the boxes. Opportunities like this don't come around often—call today before it's gone!

20 Lighthouse Ests, Monticello

$29,900
26005767 MLS
Discover the perfect blend of freedom, convenience, and outdoor recreation with this exceptional unrestricted lot just 2 miles from Safe Harbor Beaver Creek on beautiful Lake Cumberland. Ideally located near one of the area's most popular marinas known for its access to countless coves, boating, and water activities, this property offers endless possibilities whether you're looking for a weekend retreat or an income producing investment. This versatile tract is completely unrestricted, making it perfect for campers, RV setups, barndominiums, tiny homes, or your own private vacation getaway. With water and electric available along the road, much of the groundwork is already in place to start enjoying the property right away or developing it to suit your vision. Surrounded by the natural beauty of southern Kentucky and just a short drive to Monticello, you'll enjoy the peace and privacy of country living while still being close to town, dining, and shopping. The proximity to Lake Cumberland makes this an ideal spot for boating enthusiasts, Airbnb potential, or anyone looking to escape and unwind. Whether you're planning a personal retreat, rental property, or recreational haven, this unrestricted lot near Beaver Creek Marina is a rare opportunity to own a slice of lake life with unlimited potential.

Lot 10 Phase 2 Stearns Hollow, Monticello

$39,900
26012183 MLS
Build Your Dream Retreat Near Lake Cumberland Discover the perfect spot for your future getaway or forever home at 67 Sunrise Cove Trail in the gated Sandstone Point subdivision of Monticello, KY. This beautiful 1.47-acre wooded lot offers privacy, natural beauty, and a peaceful setting just minutes from Lake Cumberland access at Safe Harbor Beaver Creek Marina. Surrounded by mature trees and bordered by U.S. Army Corps of Engineers property at the back, With modest restrictions and HOA guidelines in place, you can build with confidence in this well-maintained lake community. Conveniently located only a short drive from town, marinas, boating, fishing, and outdoor recreation, this lot is an excellent opportunity to create your own custom lake-area retreat.

67 Sunrise Cove Trail, 67 Unit 67, Monticello

$29,900
26005763 MLS
Discover the perfect blend of freedom, convenience, and outdoor recreation with this exceptional unrestricted lot just 2 miles from Safe Harbor Beaver Creek on beautiful Lake Cumberland. Ideally located near one of the area's most popular marinas known for its access to countless coves, boating, and water activities, this property offers endless possibilities whether you're looking for a weekend retreat or an income producing investment. This versatile tract is completely unrestricted, making it perfect for campers, RV setups, barndominiums, tiny homes, or your own private vacation getaway. With water and electric available along the road, much of the groundwork is already in place to start enjoying the property right away or developing it to suit your vision. Surrounded by the natural beauty of southern Kentucky and just a short drive to Monticello, you'll enjoy the peace and privacy of country living while still being close to town, dining, and shopping. The proximity to Lake Cumberland makes this an ideal spot for boating enthusiasts, Airbnb potential, or anyone looking to escape and unwind. Whether you're planning a personal retreat, rental property, or recreational haven, this unrestricted lot near Beaver Creek Marina is a rare opportunity to own a slice of lake life with unlimited potential.

Lot 7 Phase 2 Stearns Hollow, Monticello

$219,000
5 Beds 2 Baths 26012835 MLS
If you've been searching for a property with character, acreage, and stunning views, this one is a must-see. Situated on approximately 5 acres just outside the city limits, this unique rustic stone home offers 1,920 square feet of living space, 5 bedrooms, 2 bathroom, and a peaceful setting overlooking the beautiful countryside of Wayne County. The home's distinctive stone exterior creates timeless curb appeal, while the two-story layout provides plenty of space for family, guests, or a weekend retreat. Covered porches on both levels offer the perfect place to enjoy morning coffee, unwind after a long day, or take in the breathtaking views that stretch across the surrounding landscape. Inside, you'll find a warm and inviting atmosphere filled with rustic charm and endless potential. With five bedrooms, there's plenty of room for a growing family, visiting guests, or even a home office setup. The home's unique design and country setting make it a rare find in today's market. A detached two-car garage provides additional storage and workspace, while the 5-acre property offers room for outdoor activities, gardening, or simply enjoying the privacy and tranquility of country living. Despite its secluded feel, the property is conveniently located just minutes from town, giving you easy access to shopping, dining, schools, and everyday necessities. For outdoor enthusiasts and lake lovers, several Lake Cumberland boat ramps are located nearby, making it easy to spend weekends fishing, boating, and enjoying everything the area has to offer. Properties with this much character, acreage, and scenic beauty rarely come available. Don't miss your opportunity to own this truly unique Wayne County property.

1493 Missouri Hollow Rd, Monticello

$289,000
3 Beds 2 Baths 26009923 MLS
LAKE CUMBERLAND OPPORTUNITY WITH WATERFRONT PROPERTY LINE! Whether you're looking for a peaceful weekend retreat vacation home, an investment property for short term rentals, or your next renovation project, this 3-bedroom, 1.5-bath home on 6.65± acres offers incredible potential. While the home is ready for cosmetic updates, its spacious layout and unbeatable location make it an excellent candidate for a place to get away or profitable lake rental. Surrounded by mature timber (that could be sold) and abundant wildlife, you'll enjoy frequent sightings of deer, turkey, and even eagles that give Eagles Bluff Road its name. The property line extends to the water behind the home, providing the feel of waterfront living, and the neighborhood boat ramp on Otter Creek offers convenient access to beautiful Lake Cumberland for boating, fishing, swimming, and kayaking. Only a couple of miles to Sid Bell Falls. Inside, you'll find an open-concept living and kitchen area with an eat-in island, a large sunroom, a spacious deck perfect for entertaining, and a covered front porch where you can relax and enjoy the peaceful surroundings. There's also a two-car garage and plenty of storage space. And with so much acreage there is still potential for so much more - boat storage, detached garage, or even a second home! With its combination of acreage, privacy, water access, and investment potential, this property is a rare opportunity to create your own Lake Cumberland escape. Schedule your private showing today!

439 Eagles Bluff Rd, Monticello

$349,900
26003735 MLS
Rare Opportunity - 32 Unrestricted Acres Near Beaver Creek Marina Discover 32 gorgeous acres of unrestricted land just 3 miles from Beaver Creek Marina. This rare find offers endless possibilities whether you're looking to develop a campground, build rental cabins, create a private retreat, or establish your dream home with plenty of room to roam. With its prime location close to the marina, you'll enjoy convenient access to boating, fishing, and outdoor recreation while still maintaining the peace and privacy of your own expansive property. The unrestricted acreage provides flexibility for residential, recreational, or investment use — the choice is yours. Opportunities like this don't come along often. Secure your slice of paradise and bring your vision to life! (Home and 1 acre listed separately.

1012 Ky-674 Unit 2, Monticello