Sarah Thornton

649-650 Lakeshore Loop

Owenton, KY
$ 650,000 Beds 3 Baths 3.5 Sq 2,049 Virtual Tour
Monthly Estimate* How much can I afford?

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!

Active

  • Price
  • $ 650,000
  • City
  • Owenton
  • Bedrooms
  • 3
  • Full Bathrooms
  • 3
  • County
  • Owen
  • Half Bathrooms
  • 1
  • Area
  • Owen Cty
  • Lot Size
  • Zip
  • 40359
  • Sqr Footage
  • 2,049
  • Year Built
  • 2003
  • Style
  • Traditional
  • MLS#
  • 644502
Listed By: Sibcy Cline, REALTORS-Florence - 859-525-8888
Data Source: Northern Kentucky MLS (NKAR)

Features

General

Living Area 2049
Sewer Septic Tank
Heating Forced Air,Electric
Cooling Central Air
Utilities Cable Available,Natural Gas Available
Roof Composition,Shingle
HOA Fee 2500
Association Fee Includes Association Fees,Maintenance Grounds,Security,Snow Removal,Trash
Patio/Porch Features Covered,Deck,Patio,Porch
Architectural Style Traditional
Construction Materials Concrete,Vinyl Siding
Year Built 2003
View Lake,Trees/Woods
Levels Two
Property Subtype Single Family Residence
Assoc Fee Paid Per Annually
County Owen
New Construction false
Property Type Residential
Association Amenities Lake Year Round,Lake Seasonal,Playground,Clubhouse,Trail(s),Management
HOA true
Attached Garage false
Subdivision Name Elk Lake
Total Rooms 8
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/1207445796
Structure Type House
Standard Status Active

Interior Features

Interior Amenities Walk-In Closet(s),Storage,Smart Thermostat,Pantry,Open Floorplan,Breakfast Bar,Built-in Features,Ceiling Fan(s),High Ceilings,Multi Panel Doors,Recessed Lighting
Basement Full Finished Bath,Finished,Walk-Out Access
Total Fireplaces 1
Fireplace Features Stone,Gas
Air Conditioning Y/N true
Heating Y/N true
Window Features Double Hung
Fireplace Y/N true
Laundry Features Electric Dryer Hookup,Main Level
Total Baths 4

Exterior Features

Exterior Amenities Private Yard,Boat Slip,Dock,Balcony
Parking Features Off Street
Lot Features Cleared,Sloped,Waterfront,Wooded
Water Source Public
Foundation Details Poured Concrete
Lot Dimensions Of Record
Road Surface Type Gravel
Lot Size Source Realist
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

7/9/2026 Listed $650,000

Property vs Zip Code Average in 40359

Price
AVG $250K
$650K
Year Built
AVG 2447
2003

In The Neighborhood

Areas That We Cover

649-650 Lakeshore Loop Owenton, KY is a Single Family Home for sale at $650000 with 2049 sqft and a lot size of Acre(s). 649-650 Lakeshore Loop Owenton has 3 bedrooms, 3 baths and was built in 2003. 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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