Sarah Thornton

445 Elk Lake Resort Road 212-213

Owenton, KY
$ 175,000 Beds 3 Baths 2 Virtual Tour
Monthly Estimate* How much can I afford?

Nestled on two private off-water lots in the desirable Elk Lake Shores Resort, this charming 3-bedroom, 2 full-bath ranch offers the perfect blend of comfort, privacy, and lake living. Conveniently located less than five minutes from the front gate and just minutes from the boat launch, you'll have easy access to all the amenities Elk Lake has to offer. Surrounded by mature trees, this property provides a peaceful retreat with a flat, usable backyard that's perfect for entertaining, relaxing around the firepit, or enjoying the outdoors. Inside, you'll love the open-concept floor plan featuring newer luxury vinyl plank flooring throughout the main level. The spacious primary suite includes a private ensuite bath, while the inviting living area showcases a wood-burning fireplace that can be converted back into a functional fireplace. Additional highlights include a covered carport with plenty of room for your vehicle or boat, a large storage shed for all your lake toys and equipment, and ample outdoor space to enjoy year-round. Whether you're looking for a full-time residence, a weekend getaway, or a vacation retreat, this property offers the ideal opportunity to experience the Elk Lake lifestyle.

Active

  • Price
  • $ 175,000
  • City
  • Owenton
  • Bedrooms
  • 3
  • Full Bathrooms
  • 2
  • County
  • Owen
  • Half Bathrooms
  • 0
  • Area
  • Owen Cty
  • Lot Size
  • Zip
  • 40359
  • Style
  • Ranch
  • MLS#
  • 645161
Listed By: Sibcy Cline, REALTORS-Florence - 859-525-8888
Data Source: Northern Kentucky MLS (NKAR)

Features

General

Sewer Septic Tank
Heating Forced Air,Electric
Cooling Central Air
Utilities Cable Available,Natural Gas Available
Roof Metal
HOA Fee 2500
Association Fee Includes Association Fees,Maintenance Grounds,Security,Snow Removal,Trash
Patio/Porch Features Deck
Architectural Style Ranch
Construction Materials Block,Vinyl Siding
View Trees/Woods
Levels One
Unit Number 212-213
Property Subtype Single Family Residence
Additional Parcels Description Elk Lake Shores Resort
HOA Fee 2 3500
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
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 true
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/1213692945
Structure Type House
Standard Status Active

Interior Features

Interior Amenities See Remarks,Open Floorplan,Ceiling Fan(s),Multi Panel Doors
Basement Crawl Space
Total Fireplaces 1
Fireplace Features Stone,Inoperable,Wood Burning
Air Conditioning Y/N true
Heating Y/N true
Window Features Insulated Windows,Double Hung
Fireplace Y/N true
Laundry Features Electric Dryer Hookup,Main Level
Total Baths 2

Exterior Features

Vegetation Partially Wooded
Parking Features Driveway,Off Street
Lot Features Cleared,Sloped,Waterfront,Wooded
Water Source Public
Foundation Details Block
Lot Dimensions Of Record
Road Surface Type Gravel
Lot Size Source Realist

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

7/29/2026 Listed $175,000

Property vs Zip Code Average in 40359

Price
AVG $250K
$180K

In The Neighborhood

Areas That We Cover

445 Elk Lake Resort Road 212-213 Owenton, KY is a Single Family Home for sale at $175000 and a lot size of Acre(s). 445 Elk Lake Resort Road 212-213 Owenton has 3 bedrooms, 2 baths . 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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