# 1095 Old Lock 21 Road, Monticello, KY 42633

> **TL;DR:** 5bd/3ba single family, $675,000 ($164/sqft), built 1998, 4,106 sqft.
> Fireplace, Waterfront, View, Hardwood. Est. $3,860/mo.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $675,000 |
| Price/sqft | $164 |
| Bedrooms | 5 |
| Bathrooms | 3 full |
| Square Feet | 4,106 |
| Year Built | 1998 |
| Lot Size | 92,142 sqft (2.12 acres) |
| Stories | 1 |
| Property Type | Single Family (Other) |
| Status | Active |
| Days on Market | 0 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed
- **Views** - Water, Lake
- **Hardwood Floors** - Hardwood flooring listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $3,413 |
| Estimated Insurance | $197 |
| HOA | $250 |
| **Total** | **$3,860** |

## Key Amenities

- Fireplace
- Waterfront
- View
- Hardwood
- A/C

## Property Highlights

- Built in 1998
- 2.12 acre lot
- 6 parking spaces
- Fireplace
- Waterfront

## Description

### Agent Description
Lake lover's paradise! This custom waterfront home boasts beautiful views of Lake Cumberland, a slip in the private community (new) dock and a trail leading to the water! The main level features an expansive living area; large kitchen; spacious dining room; 3 bedrooms, including the primary suite with private deck; 2 bathrooms; utility room and 2 car garage. On the lower level, you'll find 10' ceilings, another full kitchen, 2 bedrooms, a bathroom, living area, expansive flex space, utility room, air-conditioned workshop and more garage space. The outdoor living area with 1/2 wrap around porch, new fire pit and stunning views make this home the complete package. There is also a 32x36 detached garage which provides even more garage space for your water toys. Other features include (2) 200 Amp panels in house, (1) 100 Amp panel in garage and a central vac system. Updates include: new roof (2023); new carpet, paint, basement kitchen countertops and smart thermostat (2024). This home is being sold furnished (exceptions to be provided), including the small boat in basement, and is MOVE-IN READY! With 4,000sf+ of living area, 2,000sf+ of garage space, views, water access, an available boat slip and more, this is definitely a unique opportunity! Minutes from Conley Bottom via water.

## Location

- **Address:** 1095 Old Lock 21 Road, Monticello, KY 42633
- **County:** Wayne, Ky
- **Coordinates:** 36.93675965, -84.91139548
- **Google Maps:** https://www.google.com/maps?q=36.93675965,-84.91139548

## Virtual Tour & Media

- **Video Tour:** tour.usamls.net/1095-Old-Lock-21-Road-Monticello-KY-42633/unbranded

## Listing Agent

- **Name:** Bobbie Stone
- **Brokerage:** EXP REALTY LLC
- **Broker Phone:** (888) 519-5113
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/1095-Old-Lock-21-Rd_Monticello_KY_42633_M46715-02498?f=listhub&s=UCARTN&m=247488&c=propsimple)

## Photos

![1095 Old Lock 21 Road - Photo 1](http://lh.rdcpix.com/964c07c77bbcbbd2524a347ce70b9b94l-f23247968r.jpg)

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---

**MLS#:** 247488 | **Updated:** 2026-10-30
**Source:** listhub

*Copyright © 2026 Upper Cumberland Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://staging.propertysimple.ai/listing/1095-old-lock-21-road-monticello-ky-42633-922c3a85d22344cc9ba5f48071074e47)

---

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