78 White Oak Lane, Monticello, KY 42633

$275,000
  • 78 White Oak Lane, Monticello, KY 42633 Main Photo

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BEDS3 BATHS2 full SQUARE FEET1,985 MLS#26006159
STATUS PROPERTY TYPEResidential - Single Family SUBDIVISIONCumberland Ridge Estates SCHOOLWayne County - 70

Property Description

Looking for a cozy retreat near Lake Cumberland? This unique fully-furnished home can be used as an income producing investment since it is approved by the HOA for short term rental ($50 annual HOA fee). Lake enthusiasts will love this location, just minutes from both Lakeshore Community Dock and Fall Creek Recreation Area, with prestigious Conley Bottom Resort less than 4 miles away! There's plenty of room for lake toys with the massive two-story, oversized 2-car garage. And invite your friends--there is ample parking available out front of this 3-bedroom 2-full-bathroom home. Follow wooden walkways to the front door of this sprawling cottage, Enter into the open concept great room--a living room, dining room and kitchen, with a gorgeous, extra-large u shaped countertop island in the center of the space! You'll love the updated finishes and cool lake-inspired color scheme throughout this fully furnished cabin. The split floor plan offers a large primary suite on one side, featuring a walk-in closet and private bathroom with dual vanities, a large soaking tub and convenient separate shower stall. Across the living room you'll find a foyer between two beautifully decorated bedrooms and a full bath. The kitchen offers lots of cabinets and almost endless countertops--and a huge central island that's sure to be your favorite gathering spot. Stainless appliances and white cabinetry give this home an updated appeal. Just off the kitchen is the laundry room with matching washer and dryer and extra storage. Step down into the large family room in the enclosed all-season porch on the back of the house and enjoy lounging on the electric reclining sofa while watching the large format TV. There's plenty of room for puzzles and game night on the extra dining table and chairs you'll find in this space. With windows all around and doors on either side of the room, you'll have quick access to the expansive deck outdoors. Show off your barbeque skills on the included propane grill, or sink into the comfortable patio furniture while you enjoy views of the adjacent woods and occasional wildlife in your private backyard. The bottom level of the garage has double doors for easy access and would make an amazing man-cave. (or she-shed)! This bonus downstairs garage space is also perfect for storage. (A garden shed off the driveway would make a great workshop with only a minor roof repair.) Come visit this cozy getaway before it's gone!

78 White Oak Lane | MLS# 26006159

This single family home located at 78 White Oak Lane, Monticello, KY 42633 is currently listed for sale with an asking price of $275,000. This property was built in 2004 and has 3 bedrooms and 2 full baths with 1985 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 ttaylor.salliedavidson.com today.

Property Features

Property Type: Residential - Single Family
Cooling: Electric, Heat Pump
Fuel Type: Electric
Garage: 2
Heating: Electric, Heat Pump
Home Style: Ranch
Lot Size: 0.45 Acres
Roof Type: Metal
Stories: 1.5
Year Built: 2004

Amenities

Breakfast Bar
Eat-in Kitchen
Primary First Floor
Walk-In Closet(s)
Ceiling Fan(s)
Soaking Tub
Outdoor Grill

Feature Descriptions

Appliance Features: Dryer, Dishwasher, Microwave, Refrigerator, Washer, Range, Self Cleaning Oven
Basement Features: Crawl Space
Days on Site: 14
Exterior: Vinyl Siding
Flooring: Carpet, Laminate, Vinyl
HOA: Yes
Laundry: Electric Dryer Hookup, Main Level, Washer Hookup
Laundry Features: Electric Dryer Hookup, Main Level, Washer Hookup
Lot Dimensions: 0.450 acre(s)
Lot Features: Landscaped, Wooded, Many Trees
Parcel #: LL-01-01800
Parking Notes: Detached Garage, Driveway, Garage Door Opener, Garage Faces Front
Rooms Total: 11
Structures: Shed(s)
Structure Type: Manufactured House
Utilities: Cable Connected, Sewer Connected, Water Connected
Window Features: Blinds, Screens
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: Key Players Real Estate

Shown By

Agent Name: Treva Taylor
Agent Phone: (606) 309-4909
Agency Title: SALLIE DAVIDSON, REALTORS

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Estimated Payment

$ 1,068.11 per month $987.90 Principal & Interest $0.00 Property Tax (data not provided by mls) $80.21 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 04/10/2026. The listing information on this page last changed on 04/10/2026. 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 Fri 04/10/2026 12:00:50 AM EST) or Imagine MLS (last updated Thu 04/09/2026 11:15:21 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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