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Contingent
  • Price cut: $10K (6/10)
    $379,000

    642 N Shore Dr, Monticello, KY 42633

    4beds
    2,600sqft
    : 
    $2,380/mo
    Get pre-qualified
    Single Family Residence
    Built in 2011
    0.88 Acres Lot
    $363,300 Zestimate®
    $146/sqft
    $17/mo HOA

    What's special

    Timeless craftsmanshipSpacious open-concept layoutAbundant natural lightFour comfortable bedrooms
    Welcome to your dream home in the prestigious Cumberland Shores gated community — where timeless craftsmanship meets year-round lake living. This stunning 4-bedroom, 3-bath custom brick home offers breathtaking, unobstructed views of the sparkling waters of Lake Cumberland all year long. Perfectly positioned to capture both sunrise serenity and golden evening reflections, this home blends elegance, comfort, and outdoor adventure. Boasting over 2,200 square feet (+/-) of thoughtfully designed living space, this home features rich hardwood floors that flow throughout the main living areas, adding warmth and sophistication. The spacious open-concept layout is perfect for entertaining, with generous living areas, abundant natural light, and picturesque lake views from multiple vantage points. The well-planned floor design includes four comfortable bedrooms and three full baths, offering ample space for family and guests alike. Step outside and take in peaceful mornings and relaxing evenings overlooking the water. A convenient walking path leads directly to the lake. For boating enthusiasts, you're just minutes from a nearby boat ramp, providing quick and easy access to endless days of fishing, cruising, and watersports. Located within the security and exclusivity of Cumberland Shores, this property offers privacy, scenic beauty, and the ultimate lake lifestyle — all while remaining conveniently close to local amenities. Whether you're searching for a full-time residence or the perfect lake retreat, this exceptional property delivers the very best of luxury living at Lake Cumberland. Call today to schedule a private showing!
    154 days
    |
    695
    |
    41
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    HG Hickey III 606-278-1070,

    No Wake Real Estate

    Source: Imagine MLS,MLS#: 26003358MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 3
      Primary bedroom
      • Level: First
      Bedroom 1
      • Level: First
      Bedroom 2
      • Level: Lower
      Bedroom 3
      • Level: Lower
      Bathroom 1
      • Level: First
      Bathroom 2
      • Level: First
      Bathroom 3
      • Level: Lower
      Foyer
      • Level: First
      Kitchen
      • Level: First
      Living room
      • Level: First
      Living room
      • Level: Lower
      Heating
      • Heat Pump
      Cooling
      • Central Air
      Appliances
      • Included: Microwave, Refrigerator, Range
      • Laundry: Electric Dryer Hookup, Washer Hookup
      Features
      • Entrance Foyer, Eat-in Kitchen, Walk-In Closet(s)
      • Flooring: Carpet, Hardwood
      • Windows: Blinds
      • Has basement: Yes
      • Has fireplace: No
      Interior area
      • Total structure area: 2,600
      • Total interior livable area: 2,600 sqft
      • Finished area above ground: 1,500
      • Finished area below ground: 1,100

      Property

      Parking
      • Total spaces: 1
      • Parking features: Basement
      • Garage spaces: 1
      Features
      • Levels: Two
      • Has view: Yes
      • View description: Lake
      • Has water view: Yes
      • Water view: Lake
      • Body of water: Lake Cumberland
      Lot
      • Size: 0.88 Acres
      Details
      • Parcel number: 0361001046.00
      • Other equipment: Dehumidifier

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Brick Veneer
      • Foundation: Concrete Perimeter
      • Roof: Shingle
      Condition
      • Year built: 2011

      Utilities & green energy

      • Sewer: Septic Tank
      • Water: Public
      • Utilities for property: Electricity Available

      Community & HOA

      Community
      • Subdivision: Cumberland Shores
      HOA
      • Has HOA: Yes
      • Amenities included: None
      • Services included: Maintenance Grounds
      • HOA fee: $200 annually
      Location
      • Region: Monticello

      Financial & listing details

      • Price per square foot: $146/sqft
      • Tax assessed value: $250,000
      • Annual tax amount: $2,256
      • Date on market: 2/24/2026

        Estimated market value

        $363,300

        $345,000 - $381,000

        $2,138/mo

        Price history

        DateEventPrice
        7/20/2026Contingent$379,000$146/sqft
        Source: Imagine MLS #26003358 Report a problem
        6/10/2026Price change$379,000-2.6%$146/sqft
        Source: Imagine MLS #26003358 Report a problem
        4/14/2026Price change$389,000-2.5%$150/sqft
        Source: Imagine MLS #26003358 Report a problem
        2/24/2026Listed for sale$399,000+432%$153/sqft
        Source: Imagine MLS #26003358 Report a problem
        9/29/2008Sold$75,000$29/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$2,256 -4.4%$250,000
        2023$2,361 -0.8%$250,000
        2022$2,380 -0.7%$250,000
        2021$2,398 -1.1%$250,000
        2020$2,425 -0.1%$250,000
        2019$2,428 +0.3%$250,000
        2018$2,420 +1.4%$250,000
        2017$2,386 +5.6%$250,000
        2016$2,259 -0.4%$250,000
        2015$2,269 +5.3%$250,000
        2012$2,155 $250,000 +233.3%
        2011-- $75,000
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

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        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: 42633

        Getting around

        0 / 100
        Car-Dependent

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Bell
        • Middle: Wayne Co
        • High: Wayne Co

        Source: Imagine MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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