Sarah Thornton

445 Elk Lake Resort Road 105-106

Owenton, KY
$ 200,000 Beds 2 Baths 1 Virtual Tour
Monthly Estimate* How much can I afford?

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 metal roof 22', new kitchen cabinets, newer flooring on first floor, kitchen sink and faucets, a new hot water heater and a new side rear porch 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!

Active

  • Price
  • $ 200,000
  • City
  • Owenton
  • Bedrooms
  • 2
  • Full Bathrooms
  • 1
  • County
  • Owen
  • Half Bathrooms
  • 0
  • Area
  • Owen Cty
  • Lot Size
  • Zip
  • 40359
  • Year Built
  • 1963
  • Style
  • Cottage
  • MLS#
  • 636447
Listed By: Sibcy Cline, REALTORS-Florence - 859-525-8888
Data Source: Northern Kentucky MLS (NKAR)

Features

General

Sewer Public Sewer
Heating Baseboard
Cooling Window Unit(s)
Utilities Cable Available
Roof Metal
HOA Fee 2500
Association Fee Includes Association Fees,Maintenance Grounds
Patio/Porch Features Covered,Deck,Porch
Architectural Style Cottage
Construction Materials Block,Vinyl Siding
Year Built 1963
View Lake
Levels One
Unit Number 105-106
Property Subtype Single Family Residence
Assoc Fee Paid Per Annually
County Owen
New Construction false
Property Type Residential
Association Amenities Lake Seasonal,Playground,Clubhouse,Trail(s),Management
HOA true
Attached Garage false
Subdivision Name Elk Lake
Other Structures Shed(s)
Total Rooms 6
Status Active
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.''
High School Owen County High
City Owenton
Zoning Description Residential
MLS Area K22 - Owen Cty
Elementary School Owen County Elementary
Property Attached Y/N false
Middle/Junior High School Maurice Bowling Middle School
Property Condition Existing Structure
MLS Area Minor K22 - Owen Cty
Virtual Tour https://player.vimeo.com/video/1118836771
Structure Type House
Standard Status Active

Interior Features

Interior Amenities Open Floorplan,Eat-in Kitchen,Ceiling Fan(s)
Basement Storage Space,Unfinished
Total Fireplaces 1
Fireplace Features Wood Burning
Air Conditioning Y/N true
Heating Y/N true
Window Features Double Hung
Fireplace Y/N true
Laundry Features Main Level
Total Baths 1

Exterior Features

Exterior Amenities Private Yard
Parking Features Driveway,Off Street
Lot Features Cleared,Sloped,Wooded
Water Source Public
Foundation Details Block
Lot Dimensions Of record
Road Surface Type Gravel
Road Frontage Type Private Road

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Cincinnati, OH office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

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

Price History

4/27/2026 Listed $235,000
7/21/2026 9% - $215,000
9/17/2026 7% - $200,000

Property vs Zip Code Average in 40359

Price
AVG $250K
$200K
Year Built
AVG 2460
1963

In The Neighborhood

Areas That We Cover

445 Elk Lake Resort Road 105-106 Owenton, KY is a Single Family Home for sale at $200000 and a lot size of Acre(s). 445 Elk Lake Resort Road 105-106 Owenton has 2 bedrooms, 1 baths and was built in 1963. The property's zip code is 40359 which is in Owenton, KY

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Sarah Thornton

Sarah Thornton

REALTOR®️ / Senior Sales VP

513-633-4423

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