Matthew Bremer

445 Elk Lake Resort Road 1157-1158 + 1181

Owenton, KY
$ 495,000 Beds 4 Baths 2 Sq 1,250
Monthly Estimate* How much can I afford?

LAKE LIFE AT ITS BEST! Welcome to this charming 4-bedroom, 2-full-bath ranch nestled in the peaceful setting of Elk Lake Shores Resort. Situated on two water lots plus one dry lot, this property offers privacy, beautiful lake views, and plenty of space to enjoy the outdoors. Tucked away at the end of a quiet cove, the home is surrounded by nature and offers a wonderfully private setting. A covered front porch welcomes you into the inviting open-concept main level, where the kitchen, dining, and living spaces are designed for gathering and enjoying the views. The huge kitchen island provides the perfect gathering spot for family and friends, while the dining room and living room both overlook the property and lake. The rear of the home features picture windows across the back, bringing the beauty of the surrounding landscape indoors and creating a bright, welcoming atmosphere. The first-floor primary bedroom adds convenience, while a side sitting deck provides another peaceful place to relax and take in the natural surroundings. The walkout lower level adds even more living and entertaining space, featuring a family room with beautiful lake views, direct access to a covered patio, and two additional bedrooms. Whether you're hosting guests, enjoying family weekends, or simply escaping to the lake, there is room for everyone. Outside, the lake lifestyle continues with a dock featuring a deck and shed, providing convenient space for waterfront activities and storage. With three lots, a private cove location, multiple outdoor living areas, and beautiful views, this property offers the space and setting you've been looking for. Most of the furniture and contents are included, making this an exceptional opportunity to step into lake living with much of what you need already in place. Come enjoy the peace, privacy, and natural beauty of Elk Lake Shores Resort--where every day can feel like a getaway!

Active

  • Price
  • $ 495,000
  • City
  • Owenton
  • Bedrooms
  • 4
  • Full Bathrooms
  • 2
  • County
  • Owen
  • Half Bathrooms
  • 0
  • Area
  • Owen Cty
  • Lot Size
  • Zip
  • 40359
  • Sqr Footage
  • 1,250
  • Year Built
  • 1973
  • Style
  • Ranch
  • MLS#
  • 646995
Listed By: Sibcy Cline, REALTORS-Florence - 859-525-8888
Data Source: Northern Kentucky MLS (NKAR)

Features

General

Living Area 1250
Sewer Septic Tank
Heating Heat Pump,Electric
Cooling Central Air
Utilities Cable Available,Natural Gas Available
Roof Asphalt,Composition
HOA Fee 2500
Association Fee Includes Association Fees,Maintenance Grounds,Security,Snow Removal,Trash
Patio/Porch Features Deck,Porch
Architectural Style Ranch
Construction Materials Block,Vinyl Siding
Year Built 1973
View Trees/Woods
Levels One
Unit Number 1157-1158 + 1181
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 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
Structure Type House
Standard Status Active

Interior Features

Interior Amenities See Remarks,Kitchen Island,Open Floorplan,Eat-in Kitchen,Chandelier,Breakfast Bar,Ceiling Fan(s),Multi Panel Doors,Vaulted Ceiling(s)
Basement Full Finished Bath,Finished,Walk-Out Access
Fireplace Features See Remarks
Air Conditioning Y/N true
Heating Y/N true
Window Features Insulated Windows,Double Hung,Vinyl Frames
Fireplace Y/N true
Laundry Features Electric Dryer Hookup,Lower Level
Total Baths 2

Exterior Features

Exterior Amenities Private Yard,Fire Pit,Dock
Vegetation Oak Trees,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 Fort Thomas, KY office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
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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

9/25/2026 Listed $495,000

Property vs Zip Code Average in 40359

Price
AVG $310K
$500K
Year Built
AVG 1988
1973

In The Neighborhood

Areas That We Cover

445 Elk Lake Resort Road 1157-1158 + 1181 Owenton, KY is a Single Family Home for sale at $495000 with 1250 sqft and a lot size of Acre(s). 445 Elk Lake Resort Road 1157-1158 + 1181 Owenton has 4 bedrooms, 2 baths and was built in 1973. 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.

Matthew Bremer

Matthew Bremer

REALTOR®

859-468-7724

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