Welcome to your dream lake retreat at Elk Lake Shores Resort in Owenton, Kentucky! This beautifully maintained 3-bedroom, 2-bath ranch home with a fully finished walkout basement offers the perfect combination of comfort, convenience, and lakefront living. Located less than five minutes from the front entrance of the resort, this property sits on deep water in a peaceful, short no-wake cove, making it an ideal setting for swimming, boating, and relaxing on the water. Inside, you'll love the open-concept floor plan featuring a spacious kitchen with a large eat-in island, perfect for entertaining family and friends. The main level also offers a private primary suite complete with an ensuite bath and direct access to the expansive covered deck overlooking the lake. The finished walkout basement includes two additional bedrooms, a full bath, and a spacious family room featuring an electric fireplace and wet bar--creating the ultimate gathering space. Step outside to the lower covered deck and enjoy the peaceful lake views year-round. Additional features include a concrete driveway, ample parking for guests, and a large storage shed for all your outdoor and lake equipment. The path to the water is just as impressive, with maintenance-free concrete and stone steps leading to an incredible dock house complete with a bunk room and additional storage for all your lake toys. The Trex dock provides exceptional durability and plenty of space for entertaining, relaxing, and parking multiple boats. An electric covered boat lift is included, and with a full-price offer, both the ski boat and pontoon boat convey with the property--making this a true turnkey lake getaway. Whether you're searching for a full-time residence, a weekend escape, or an investment opportunity, this exceptional waterfront property offers everything you need to start making unforgettable memories on Elk Lake. Schedule your private showing today!
For sale
$675,000
12 Elk Lake Resort Rd, Owenton, KY 40359
3beds
2,003sqft
Single Family Residence, Residential
Built in 1998
0.43 Acres Lot
$-- Zestimate®
$337/sqft
$208/mo HOA
What's special
Electric covered boat liftFully finished walkout basementOpen-concept floor planAmple parking for guests
- 3 days |
- 322 |
- 18 |
Zillow last checked:
Listing updated:
Listed by:
Patrick Tenoever 513-615-3002,
Sibcy Cline, REALTORS-Florence
Source: NKMLS,MLS#: 644271
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Primary bedroom
- Features: See Remarks
- Level: First
- Area: 196
- Dimensions: 14 x 14
Bedroom 2
- Features: See Remarks
- Level: Second
- Area: 156
- Dimensions: 13 x 12
Bedroom 3
- Features: See Remarks
- Level: Second
- Area: 140
- Dimensions: 14 x 10
Bathroom 2
- Features: See Remarks
- Level: Lower
- Area: 156
- Dimensions: 12 x 13
Dining room
- Features: See Remarks
- Level: First
- Area: 130
- Dimensions: 10 x 13
Entry
- Features: See Remarks
- Level: First
- Area: 65
- Dimensions: 13 x 5
Family room
- Features: See Remarks
- Level: Lower
- Area: 476
- Dimensions: 34 x 14
Kitchen
- Features: See Remarks
- Level: First
- Area: 351
- Dimensions: 27 x 13
Laundry
- Features: See Remarks
- Level: Lower
- Area: 28
- Dimensions: 7 x 4
Living room
- Features: See Remarks
- Level: First
- Area: 143
- Dimensions: 11 x 13
Primary bath
- Features: See Remarks
- Level: First
- Area: 156
- Dimensions: 12 x 13
Heating
- Heat Pump, Forced Air, Electric
Cooling
- Central Air
Appliances
- Included: Electric Range, Dishwasher, Dryer, Microwave, Refrigerator, Washer
- Laundry: Electric Dryer Hookup
Features
- Basement: See Remarks
- Number of fireplaces: 1
- Fireplace features: Electric
Interior area
- Total structure area: 18,742
- Total interior livable area: 2,003 sqft
Property
Parking
- Parking features: Driveway, Off Street
- Has uncovered spaces: Yes
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered, Deck, Patio, Porch
- Exterior features: Fire Pit, Dock, Balcony
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- Waterfront features: Waterfront
Lot
- Size: 0.43 Acres
- Features: Cleared, Sloped, Wooded
Details
- Additional structures: Shed(s)
- Parcel number: 075800012.00
- Zoning description: Residential
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence, Residential
Materials
- Concrete
- Foundation: Poured Concrete
- Roof: Metal
Condition
- Existing Structure
- New construction: No
- Year built: 1998
Utilities & green energy
- Sewer: Septic Tank
- Water: Public
- Utilities for property: Cable Available, Natural Gas Available
Community & HOA
HOA
- Has HOA: Yes
- Amenities included: Lake Year Round, Lake Seasonal, Playground, Clubhouse, Trail(s)
- Services included: Association Fees, Maintenance Grounds, Management, Security, Snow Removal, Trash
- HOA fee: $2,500 annually
Location
- Region: Owenton
Financial & listing details
- Price per square foot: $337/sqft
- Date on market: 7/2/2026
- Cumulative days on market: 3 days
- Road surface type: Gravel
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 7/2/2026 | Listed for sale | $675,000$337/sqft |
Source:  NKMLS #644271 Report a problem | ||
Public tax history
Tax history is unavailable.
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 40359
Nearby schools
GreatSchools rating
- 7/10Owen County Elementary SchoolGrades: PK-4Distance: 3.8 mi
- 3/10Maurice Bowling Middle SchoolGrades: 5-8Distance: 3.9 mi
- 4/10Owen County High SchoolGrades: 9-12Distance: 4 mi
Schools provided by the listing agent
- Elementary: Owen County Elementary
- Middle: Maurice Bowling Middle School
- High: Owen County High
Source: NKMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
- Kentucky
- Owen County
- Owenton
- 40359
- 12 Elk Lake Resort Rd
Nearby cities
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