$425,000

445 Elk Lake Resort Rd Unit 658 Owenton, KY 40359

Estimated payment $5,172/month

3 Beds
2 Baths
-- Sq Ft
-- Price per Sq Ft

Highlights

  • Docks
  • Lake View
  • Open Floorplan
  • Boat Slip
  • Waterfront
  • Tiered Deck

About This Home

Don't miss this 3-bedroom, 2-full bath lake cottage filled with rustic charm and modern updates. Step inside to find hardwood floors, soaring wood-beamed ceilings, natural woodwork throughout, and a cozy wood-burning stove insert. The full basement offers two separate walkouts and plenty of storage. Outdoor living is a dream with two large tiered decks—upper deck featuring Trex boards—and a metal roof for low maintenance. Enjoy lake life with two large tiered docks including an electric covered boat lift, a new wood upper dock, and a Trex lower dock right on the water. With deep water access and a fantastic location, this home is the perfect retreat for family, friends, or weekend getaways!
Elk Lake information: 8 farms comprising of 1,100 acres were purchased, and Elk Lake was dammed to produce a body of water approximately 255 acres with 14 miles of shoreline, 1300 lots that are serviced by 17 miles of gravel road. In 1961, the non-profit Elk Lake Property Owners' Association (ELPOA) was established!

Listing Agent

Pat Tenoever

Sibcy Cline, REALTORS-Florence License #251387 Listed on: 10/18/2025

Sibcy Cline, REALTORS-Florence

Home Details

Home Type

  • Single Family

Lot Details

  • 0.48 Acre Lot
  • Waterfront
  • Property fronts a private road
  • Chain Link Fence
  • Aluminum or Metal Fence
  • Lot Sloped Down
  • Cleared Lot
  • Partially Wooded Lot

HOA Fees

  • $2,500 Monthly HOA Fees

Home Design

  • Cottage
  • Block Foundation
  • Metal Roof
  • Wood Siding
  • Log Siding
  • Block And Beam Construction

Interior Spaces

  • 1-Story Property
  • Open Floorplan
  • Woodwork
  • Beamed Ceilings
  • High Ceiling
  • Ceiling Fan
  • Wood Burning Stove
  • Self Contained Fireplace Unit Or Insert
  • Stone Fireplace
  • Brick Fireplace
  • Double Hung Windows
  • Sliding Windows
  • Family Room
  • Dining Room
  • Bonus Room
  • Game Room
  • Lake Views

Kitchen

  • Breakfast Bar
  • Electric Oven
  • Microwave
  • Dishwasher

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 2 Full Bathrooms

Laundry

  • Laundry on lower level
  • Dryer
  • Washer

Basement

  • Walk-Out Basement
  • Basement Fills Entire Space Under The House
  • Finished Basement Bathroom

Parking

  • Driveway
  • Off-Street Parking

Outdoor Features

  • Boat Slip
  • Docks
  • Tiered Deck

Schools

  • Owen County Elementary School
  • Maurice Bowling Middle School
  • Owen County High School

Utilities

  • Forced Air Heating and Cooling System
  • Heating System Uses Natural Gas
  • Propane
  • Septic Tank
  • Cable TV Available

Community Details

  • Elopa Association, Phone Number (502) 484-0014

Listing and Financial Details

  • Assessor Parcel Number 075-80-06-058.00

Home Details

Home Type

Single Family

Lot Details

0

HOA Fees

$2,500 per month

Listing Details

  • Cooling: Central Air
  • Property Condition: Existing Structure
  • Property Sub Type: Single Family Residence
  • Lot Size Acres: 0.48
  • Lot Size: 21,051
  • Road Frontage Type: Private Road
  • Road Surface Type: Gravel
  • Ownership: Consumer
  • Directions: From Elk Creek Vineyard head East, turn Right onto Rt 1883, turn Right at stop sign. ''Gated Community; must have an appointment to be escorted by an agent.''
  • Architectural Style: Cottage
  • New Construction: No
  • Property Attached Yn: No
  • Structure Type: House
  • Location Tax Legal Info:Property Attached YN: No
  • Location Tax Legal Info:New Construction: No
  • Location Tax Legal Info:Elementary School: Owen County Elementary
  • Location Tax Legal Info:Middle or Junior School: Maurice Bowling Middle School
  • Location Tax Legal Info:High School: Owen County High
  • Contract Info:Auction YN: No
  • General Property Description:Basement YN2: Yes
  • General Property Description:Fireplace YN: Yes
  • General Property Description:Lot Size Dimensions: 21,051
  • Appliances Microwave: Yes
  • Cooling:Central Air: Yes
  • Levels:One: Yes
  • Utilities:Cable Available: Yes
  • Utilities Electric Company: Owen Electric
  • Utilities Gas Company: Southern States
  • Water Company: Kentucky American Water
  • Water Source:Public: Yes
  • Room Details:Family Room YN: Yes
  • Room Details:Formal Dining Rm YN: No
  • General Property Description:Lot Size Acres: 0.4833
  • General Property Description:Lot Size Square Feet: 2200.0
  • Structure Type:House: Yes
  • Location Tax Legal Info:Tax ID: 075-80-06-058.00
  • Appliances Refrigerators: Yes
  • Foundation:Block4: Yes
  • General Property Description:Fireplaces Total: 1
  • Appliances Dryer: Yes
  • Washers: Yes
  • Fencing:Chain Link: Yes
  • Laundry Features:Lower Level: Yes
  • Vegetation:Partially Wooded: Yes
  • Roof:Metal3: Yes
  • Road Frontage Type:Private Road: Yes
  • Utilities:Propane3: Yes
  • Architecture:Cottage: Yes
  • Road Surface Type:Gravel: Yes
  • Fencing:Metal4: Yes
  • View:Lake2: Yes
  • Special Features: VirtualTour

Interior Features

  • Interior Amenities: Open Floorplan, Breakfast Bar, Beamed Ceilings, Ceiling Fan(s), High Ceilings, Natural Woodwork
  • Basement: Full Finished Bath, Full, Walk-Out Access
  • Heating: Natural Gas, Forced Air
  • Levels: One
  • Property Type: Residential
  • Appliances: Electric Oven, Dishwasher, Dryer, Microwave, Refrigerator, Washer
  • Full Bathrooms: 2
  • Total Bedrooms: 3
  • Fireplace Features: Stone, Brick, Insert, Wood Burning Stove
  • Fireplaces: 1
  • Fireplace: Yes
  • Window Features: Double Hung, Slider Window(s)
  • Full Basement: Yes
  • Appliances Dishwasher: Yes
  • Appliances:Electric Oven: Yes
  • Interior Features:Ceiling Fan(s): Yes
  • Interior Features:High Ceilings: Yes
  • Interior Features:Open Floorplan: Yes
  • Basement:Walk-Out Access7: Yes
  • Interior Features:Natural Woodwork: Yes
  • Basement:Full Finished Bath: Yes
  • Fireplace Features:Brick3: Yes
  • Interior Features:Breakfast Bar2: Yes
  • Fireplace Features:Wood Burning Stove: Yes
  • Fireplace Features:Stone4: Yes
  • Interior Features:Beamed Ceilings: Yes
  • Fireplace Features:Insert: Yes

Exterior Features

  • View: Lake
  • Fencing: Chain Link, Metal
  • Roof: Metal
  • Lot Features: Cleared, Sloped Down, Waterfront
  • View: Yes
  • Construction Type: Block, Log, Wood Siding
  • Exterior Features: Boat Slip, Dock
  • Foundation Details: Block
  • Patio And Porch Features: Deck, Tiered Deck
  • Patio and Porch Features:Deck: Yes
  • Window Features:Double Hung: Yes
  • Construction Materials:Block3: Yes
  • Lot Features:Cleared: Yes
  • Construction Materials:Wood Siding: Yes
  • Patio and Porch Features:Tiered Deck: Yes
  • Window Features:Slider Window(s): Yes
  • Lot Features:Waterfront: Yes
  • Exterior Features:Dock: Yes
  • Lot Features:Sloped Down: Yes
  • Construction Materials:Log2: Yes
  • Exterior Features:Boat Slip: Yes

Garage/Parking

  • Attached Garage: No
  • Parking Features: Driveway, Off Street
  • Parking Features:Driveway: Yes
  • Parking Features:Off Street2: Yes

Utilities

  • Sewer: Septic Tank
  • Water Source: Public
  • Laundry Features: Lower Level
  • Cooling Y N: Yes
  • Heating Yn: Yes
  • Utilities: Cable Available, Propane
  • Heating:Natural Gas2: Yes
  • Heating:Forced Air: Yes
  • Sewer Septic Tank: Yes

Condo/Co-op/Association

  • Association Fee: 2500.0
  • Association Fee Frequency: Monthly
  • Association: Yes

Association/Amenities

  • Association Information:Association YN: Yes
  • Association Information:Association Management Name 1: ELOPA
  • Association Information:Association Management Phone 1: 5024840014
  • Association Information:Total Yearly Fees: 2500.0
  • Association Information:Association Fee: 2500.0
  • Association Information:Association Fee Frequency: Monthly

Schools

  • Elementary School: Owen County Elementary
  • Junior High Dist: Owen Co Public
  • High School: Owen County High
  • Middle Or Junior School: Maurice Bowling Middle School

Lot Info

  • Lot Size Sq Ft: 2200.0
  • Zoning Description: Residential

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
10/18/2025 10/18/25 For Sale $425,000 -- --
Source: Northern Kentucky Multiple Listing Service

Source: Northern Kentucky Multiple Listing Service

MLS Number: 637306

Northern Kentucky Multiple Listing Service
Kentucky Owen County Owenton 40359

445 Elk Lake Resort Rd Unit 658, Owenton, KY

This home is located at 445 Elk Lake Resort Rd Unit 658, Owenton, KY 40359 and is currently priced at $425,000. 445 Elk Lake Resort Rd Unit 658 is a home located in Owen County with nearby schools including Owen County Primary School, Maurice Bowling Middle School, and Owen County High School.

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Northern Kentucky Multiple Listing Service The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of NKMLS. Real estate listings held by IDX Brokerage firms other than Ten-X are marked with the Internet Data Exchange logo or the Internet Data Exchange thumbnail logo and detailed information about them includes the name of the listing Brokers.

Listing information is deemed reliable, but not guaranteed.

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Pat Tenoever
Listing Agent
Pat Tenoever
Section Image
Sibcy Cline, REALTORS-Florence
(502) 521-2666