# 81 White Oak Lane, Monticello, KY 42633 > **TL;DR:** 2bd/1ba single family, $284,900 ($317/sqft), built 2021, 900 sqft. > A/C, 2-car garage. Est. $1,524/mo. Listed 222 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $284,900 | | Price/sqft | $317 | | Bedrooms | 2 | | Bathrooms | 1 full | | Square Feet | 900 | | Year Built | 2021 | | Lot Size | 57,499 sqft (1.32 acres) | | Stories | 1 | | Garage | 2-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 222 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,441 | | Estimated Insurance | $83 | | **Total** | **$1,524** | ## Nearby Schools - **Elementary:** Bell - **Middle:** Wayne Co - **High:** Wayne Co ## Key Amenities - A/C - 2-car garage ## Property Highlights - Built in 2021 - 1.32 acre lot ## Description ### Agent Description Unique lake property situated on three lots featuring a 2-bedroom, 1-bathroom home plus a detached garage with plenty of room for a boat up to 26 ft. The garage has a finished guest quarters offering an additional 1 bedroom and 1 bathroom. Built in 2021 and tucked into a peaceful, golf-cart friendly Lake Cumberland community, this move-in-ready property offers flexibility, privacy, and lake lifestyle convenience all in one package. The main home features 2 bedrooms, 1 full bath, and an open-concept living/kitchen layout with durable LVP flooring throughout. The kitchen offers white shaker cabinetry, butcher block countertops, subway tile backsplash, stainless appliances, and recessed lighting, creating a clean, modern lake-cottage feel. The living area is bright and inviting with double doors leading to a spacious covered porch - perfect for relaxing after a day on the water. The full bath includes a tiled walk-in shower with glass door and updated vanity, continuing the low-maintenance, newer-construction appeal. Outside, enjoy extensive covered porch space with ceiling fans, composite decking on the house porch, ideal for entertaining or unwinding in the wooded setting. A major bonus is the detached garage with finished guest quarters, offering 1 bedroom, 1 bath, and its own mini-split HVAC system - perfect for guests, or private workspace. Also deck space beside garage for grilling, entertaining guest and relaxing. The property sits on three lots being sold together (approx. 1.32 acres +/-) and includes an additional lot already equipped with a RV hookup with septic, electric, and water in place, providing incredible flexibility for overflow guests or additional income potential. Located just minutes from Conley Bottom Marina and close to two private boat ramps, this home is ideal as a full-time residence, weekend getaway, or short-term rental investment near Lake Cumberland. If you've been looking for newer construction, extra space for guests, and lake access convenience - this one checks the boxes. ## Location - **Address:** 81 White Oak Lane, Monticello, KY 42633 - **County:** Wayne - **Neighborhood:** Cumberland Ridge Estates - **Coordinates:** 36.9401, -84.844267 - **Google Maps:** https://www.google.com/maps?q=36.9401,-84.844267 ## Listing Agent - **Name:** Dylan Jones - **Brokerage:** Re/Max Country Lakes - **Broker Phone:** 6062005061 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/81-White-Oak-Ln_Monticello_KY_42633_M41770-85763?f=listhub&s=LBARKY&m=26005932&c=propsimple) ## Photos ![81 White Oak Lane - Photo 1](http://lh.rdcpix.com/1f8cde4a4cd20d6e7da4a27aedad41f4l-f1512825876r.jpg) ![81 White Oak Lane - Photo 2](http://lh.rdcpix.com/1f8cde4a4cd20d6e7da4a27aedad41f4l-f3078875031r.jpg) ![81 White Oak Lane - Photo 3](http://lh.rdcpix.com/1f8cde4a4cd20d6e7da4a27aedad41f4l-f177537415r.jpg) ![81 White Oak Lane - 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Photo 44](http://lh.rdcpix.com/1f8cde4a4cd20d6e7da4a27aedad41f4l-f2456366463r.jpg) ![81 White Oak Lane - Photo 45](http://lh.rdcpix.com/1f8cde4a4cd20d6e7da4a27aedad41f4l-f2017173747r.jpg) ![81 White Oak Lane - Photo 46](http://lh.rdcpix.com/1f8cde4a4cd20d6e7da4a27aedad41f4l-f4035807237r.jpg) ![81 White Oak Lane - Photo 47](http://lh.rdcpix.com/1f8cde4a4cd20d6e7da4a27aedad41f4l-f2004391205r.jpg) ![81 White Oak Lane - Photo 48](http://lh.rdcpix.com/1f8cde4a4cd20d6e7da4a27aedad41f4l-f844906232r.jpg) ![81 White Oak Lane - Photo 49](http://lh.rdcpix.com/1f8cde4a4cd20d6e7da4a27aedad41f4l-f2865400126r.jpg) ![81 White Oak Lane - Photo 50](http://lh.rdcpix.com/1f8cde4a4cd20d6e7da4a27aedad41f4l-f4244138201r.jpg) ![81 White Oak Lane - Photo 51](http://lh.rdcpix.com/1f8cde4a4cd20d6e7da4a27aedad41f4l-f730023643r.jpg) ![81 White Oak Lane - Photo 52](http://lh.rdcpix.com/1f8cde4a4cd20d6e7da4a27aedad41f4l-f913017417r.jpg) --- **MLS#:** 26005932 | **Updated:** 2026-10-23 **Source:** listhub *Copyright © 2026 ImagineMLS. 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/81-white-oak-lane-monticello-ky-42633-5ed3dc891fe24f9b842f44f5dbc05d06) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/81-white-oak-lane-monticello-ky-42633-5ed3dc891fe24f9b842f44f5dbc05d06#listing", "url": "https://staging.propertysimple.ai/listing/81-white-oak-lane-monticello-ky-42633-5ed3dc891fe24f9b842f44f5dbc05d06", "name": "81 White Oak Lane, Monticello, KY 42633", "description": "Unique lake property situated on three lots featuring a 2-bedroom, 1-bathroom home plus a detached garage with plenty of room for a boat up to 26 ft. The garage has a finished guest quarters offering an additional 1 bedroom and 1 bathroom. Built in 2021 and tucked into a peaceful, golf-cart friendly Lake Cumberland community, this move-in-ready property offers flexibility, privacy, and lake lifestyle convenience all in one package. The main home features 2 bedrooms, 1 full bath, and an open-concept living/kitchen layout with durable LVP flooring throughout. The kitchen offers white shaker cabinetry, butcher block countertops, subway tile backsplash, stainless appliances, and recessed lighting, creating a clean, modern lake-cottage feel. The living area is bright and inviting with double doors leading to a spacious covered porch - perfect for relaxing after a day on the water. The full bath includes a tiled walk-in shower with glass door and updated vanity, continuing the low-maintenance, newer-construction appeal. Outside, enjoy extensive covered porch space with ceiling fans, composite decking on the house porch, ideal for entertaining or unwinding in the wooded setting. 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