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For sale
    • $650,000

    649-650 Lake Shore Dr, Owenton, KY 40359

    3beds
    2,049sqft
    : 
    $4,427/mo
    Get pre-qualified
    Single Family Residence, Residential
    Built in 2003
    -- sqft lot
    $-- Zestimate®
    $317/sqft
    $208/mo HOA

    What's special

    Panoramic lake viewsBreathtaking lake viewsCovered paver patioExpansive wraparound covered deckTwo programmable nest thermostatsHigh ceilingsHardwood flooring
    Experience the perfect blend of comfort, quality, and lakefront living in this meticulously maintained 2-story home located in the desirable Elk Lake Shores Resort. Situated on approx. 1 acre across 2 waterfront lots, this exceptional property offers breathtaking lake views, deep water access, and the tranquility of a protected no-wake cove. Designed with both everyday living and entertaining in mind, the open-concept main level features high ceilings, windows that fill the home with natural light, hardwood flooring, and a stone gas fireplace in the living room. Step outside onto the expansive wraparound covered deck, complete with 2 sun screens, and enjoy panoramic lake views! The spacious 1st fl primary suite offers convenience and privacy, featuring a large closet and an ensuite bath. The main level also includes a 1st fl laundry room and a convenient 1/2 bath for guests. Upstairs and downstairs, you'll find 2 additional bedrooms, 2nd fl has walk in closet, along with full bathrooms, providing plenty of room for family and guests. The finished walkout lower has tile flooring, a large family room, and is already planned for a future kitchenette--making it ideal for extended family. Walk directly onto the covered paver patio and continue down to the lake. Outdoor access has been thoughtfully designed with both poured concrete steps leading to the front entrance and a gravel pathway providing utility vehicle access to the dock, making it easy to transport people, coolers, and lake gear. The waterfront is truly exceptional, featuring a shaded Trex deck above the dock, Trex steps leading down to the dock, electric service at the dock, and deep water that's perfect for swimming, floating, and boating. Additional features include: Two programmable Nest thermostats, gutter helmet gutter protection system & hot water heater is 3 years old! The home has been meticulously maintained inside and out!
    44 days
    |
    501
    |
    17
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Patrick Tenoever 513-615-3002,

    Sibcy Cline, REALTORS-Florence

    Source: NKMLS,MLS#: 644502MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 4
      • Full bathrooms: 3
      • 1/2 bathrooms: 1
      Primary bedroom
      • Features: See Remarks
      • Level: First
      • Area: 208
      • Dimensions: 16 x 13
      Bedroom 2
      • Features: See Remarks
      • Level: Second
      • Area: 196
      • Dimensions: 14 x 14
      Bedroom 3
      • Features: See Remarks
      • Level: Lower
      • Area: 143
      • Dimensions: 13 x 11
      Bathroom 2
      • Features: See Remarks
      • Level: Lower
      • Area: 64
      • Dimensions: 8 x 8
      Bathroom 3
      • Features: See Remarks
      • Level: Second
      • Area: 56
      • Dimensions: 8 x 7
      Bathroom 4
      • Features: See Remarks
      • Level: First
      • Area: 24
      • Dimensions: 8 x 3
      Bonus room
      • Features: See Remarks
      • Level: Lower
      • Area: 153
      • Dimensions: 17 x 9
      Dining room
      • Features: See Remarks
      • Level: First
      • Area: 121
      • Dimensions: 11 x 11
      Entry
      • Features: See Remarks
      • Level: First
      • Area: 40
      • Dimensions: 10 x 4
      Family room
      • Features: See Remarks
      • Level: Lower
      • Area: 280
      • Dimensions: 20 x 14
      Kitchen
      • Features: See Remarks
      • Level: First
      • Area: 338
      • Dimensions: 26 x 13
      Kitchen
      • Description: Kitchenette
      • Features: See Remarks
      • Level: Lower
      • Area: 136
      • Dimensions: 17 x 8
      Laundry
      • Features: See Remarks
      • Level: First
      • Area: 42
      • Dimensions: 7 x 6
      Living room
      • Features: See Remarks
      • Level: First
      • Area: 315
      • Dimensions: 21 x 15
      Loft
      • Features: See Remarks
      • Level: Second
      • Area: 104
      • Dimensions: 13 x 8
      Other
      • Description: Deck
      • Features: See Remarks
      • Level: First
      • Area: 296
      • Dimensions: 37 x 8
      Primary bath
      • Features: See Remarks
      • Level: First
      • Area: 70
      • Dimensions: 10 x 7
      Heating
      • Forced Air, Electric
      Cooling
      • Central Air
      Appliances
      • Included: Electric Range, Dishwasher, Dryer, Microwave, Refrigerator, Washer
      • Laundry: Electric Dryer Hookup, Main Level
      Features
      • Walk-In Closet(s), Storage, Smart Thermostat, Pantry, Open Floorplan, Breakfast Bar, Built-in Features, Ceiling Fan(s), High Ceilings, Recessed Lighting
      • Doors: Multi Panel Doors
      • Windows: Double Hung
      • Has basement: Yes
      • Number of fireplaces: 1
      • Fireplace features: Stone, Gas
      Interior area
      • Total structure area: 2,049
      • Total interior livable area: 2,049 sqft
      Video & virtual tour

      Property

      Parking
      • Parking features: Off Street
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Covered, Deck, Patio, Porch
      • Exterior features: Private Yard, Boat Slip, Dock, Balcony
      • Has view: Yes
      • View description: Lake, Trees/Woods
      • Has water view: Yes
      • Water view: Lake
      • Waterfront features: Waterfront
      Lot
      • Features: Cleared, Sloped, Wooded
      Details
      • Parcel number: 0758006049.00
      • Zoning description: Residential

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Traditional
      • Property subtype: Single Family Residence, Residential
      Materials
      • Concrete, Vinyl Siding
      • Foundation: Poured Concrete
      • Roof: Composition,Shingle
      Condition
      • Existing Structure
      • New construction: No
      • Year built: 2003

      Utilities & green energy

      • Sewer: Septic Tank
      • Water: Public
      • Utilities for property: Cable Available, Natural Gas Available

      Community & HOA

      Community
      • Subdivision: Elk Lake
      HOA
      • Has HOA: Yes
      • Amenities included: Lake Year Round, Lake Seasonal, Playground, Clubhouse, Trail(s), Management
      • Services included: Association Fees, Maintenance Grounds, Security, Snow Removal, Trash
      • HOA fee: $2,500 annually
      Location
      • Region: Owenton

      Financial & listing details

      • Price per square foot: $317/sqft
      • Date on market: 7/9/2026
      • Cumulative days on market: 45 days
      • Road surface type: Gravel

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        7/9/2026Listed for sale$650,000$317/sqft
        Source: NKMLS #644502 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.
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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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