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For sale
    • Price cut: $15K (4/27)
    $235,000

    445 Elk Lake Resort Rd #105-106, Owenton, KY 40359

    2beds
    --sqft
    : 
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    Single Family Residence, Residential
    Built in 1963
    -- sqft lot
    $-- Zestimate®
    $--/sqft
    $208/mo HOA

    What's special

    Open-concept designLarge covered front porch
    Great opportunity to enjoy lake life at an affordable price! This 2-bedroom, 1-bath cottage is situated on two dry lots, offering extra space and plenty of storage. The open-concept design makes the home feel spacious and welcoming, while the large covered front porch is perfect for relaxing with friends and family! Recent updates include a new hot water heater and a new side deck. The property also features two oversized metal sheds with concrete floors totaling 600 sq. ft.--ideal for storing lake toys, tools, or creating a workshop. From the cottage, enjoy a view of the lake cove, covered pavilion approx. 350 sq. ft. under roof, and take advantage of the convenient location near the front gate and the marina boat launch. Whether you're looking for a weekend getaway or a year-round retreat, this home is a wonderful way to become part of a private lake community. 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!
    297 days
    |
    305
    |
    5
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Patrick Tenoever 513-615-3002,

    Sibcy Cline, REALTORS-Florence

    Source: NKMLS,MLS#: 636447MLS Logo

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 2
      • Bathrooms: 1
      • Full bathrooms: 1
      Primary bedroom
      • Features: See Remarks
      • Level: First
      • Area: 1
      • Dimensions: 1 x 1
      Bedroom 2
      • Features: See Remarks
      • Level: First
      • Area: 1
      • Dimensions: 1 x 1
      Family room
      • Features: See Remarks
      • Level: First
      • Area: 1
      • Dimensions: 1 x 1
      Kitchen
      • Features: See Remarks
      • Level: First
      • Area: 1
      • Dimensions: 1 x 1
      Laundry
      • Features: See Remarks
      • Level: First
      • Area: 1
      • Dimensions: 1 x 1
      Living room
      • Features: See Remarks
      • Level: First
      • Area: 1
      • Dimensions: 1 x 1
      Primary bath
      • Features: See Remarks
      • Level: First
      • Area: 1
      • Dimensions: 1 x 1
      Heating
      • Baseboard
      Cooling
      • Window Unit(s)
      Appliances
      • Included: See Remarks, Electric Cooktop, Dryer, Refrigerator, Washer
      • Laundry: Main Level
      Features
      • Open Floorplan, Eat-in Kitchen, Ceiling Fan(s)
      • Windows: Double Hung
      • Number of fireplaces: 1
      • Fireplace features: Wood Burning
      Video & virtual tour

      Property

      Parking
      • Parking features: Driveway, Off Street
      • Has uncovered spaces: Yes
      Features
      • Levels: One
      • Stories: 1
      • Patio & porch: Covered, Deck, Porch
      • Exterior features: Private Yard
      • Has view: Yes
      • View description: Lake
      • Has water view: Yes
      • Water view: Lake
      Lot
      • Features: Cleared, Sloped, Wooded
      Details
      • Additional structures: Shed(s)
      • Parcel number: 0758001007.00
      • Zoning description: Residential

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Cottage
      • Property subtype: Single Family Residence, Residential
      Materials
      • Block, Vinyl Siding
      • Foundation: Block
      • Roof: Metal
      Condition
      • Existing Structure
      • New construction: No
      • Year built: 1963

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Available

      Community & HOA

      HOA
      • Has HOA: Yes
      • Amenities included: Lake Seasonal, Playground, Clubhouse, Trail(s)
      • Services included: Association Fees, Maintenance Grounds, Management
      • HOA fee: $2,500 annually
      Location
      • Region: Owenton

      Financial & listing details

      • Date on market: 9/19/2025
      • Cumulative days on market: 298 days
      • Road surface type: Gravel

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        4/27/2026Price change$235,000-6%
        Source: NKMLS #636447 Report a problem
        9/19/2025Listed for sale$250,000
        Source: NKMLS #636447 Report a problem

        Public tax history

        Tax history is unavailable.

        Monthly payment

        Est. payment

        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.
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        Climate risks

        Neighborhood: 40359

        Getting around

        0 / 100
        Car-Dependent

        Nearby schools

        GreatSchools rating
        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.

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