607 Old Lock 21 Road

Monticello, KY
$ 279,000 Beds 3 Baths 3 Sq 3,402
Monthly Estimate* How much can I afford?

3 bedroom, 3 bath Home and boat slip! You won't find homes like this for sale often, Located on a scenic road with views of Lake Cumberland, this property offers a relaxing setting for daily living and entertaining. The large master suite is on the main floor, and wrap-around decks provide lake views from multiple rooms including the Master Bedroom, living room and Kitchen. With approximately 3,400 square feet of finished space and living rooms upstairs and downstairs, there's plenty of room for gatherings or extended family. This home has an attached 2 car garage for parking and storage, including a storm shelter on the bottom level for extra storage and safety. Additionally, a boat slip at a recently renovated private community dock is available with no waitlist, offering immediate access. The property borders the Army Corps of Engineers land, allowing for lake views from multiple rooms and decks. Located just minutes from Conley Bottom and Beaver Creek Marina by boat, this home is ideal for lake enthusiasts.

Active

  • Price
  • $ 279,000
  • City
  • Monticello
  • Bedrooms
  • 3
  • Full Bathrooms
  • 3
  • County
  • WAYNE
  • Half Bathrooms
  • 0
  • Area
  • 070 - Wayne County
  • Lot Size
  • 1.35 Acres
  • Zip
  • 42633
  • Sqr Footage
  • 3,402
  • Year Built
  • 1985
  • Style
  • Cape Cod
  • MLS#
  • 25503942
Listed By: Re/Max Country Lakes - 606-200-5061
Data Source: ImagineMLS

Features

General

Sewer Septic Tank
Heating Electric,Heat Pump
Cooling Central Air,Electric,Heat Pump
Utilities Cable Not Available,Electricity Connected,Natural Gas Not Available,Phone Available,Propane Connected,Sewer Not Available,Water Connected
Possession Close Of Escrow
Roof Shingle
Appliances Dishwasher,Disposal,Oven,Refrigerator
Garage Spaces 2.0
Patio/Porch Features Deck,Porch,Other,Rear Porch,Side Porch
Architectural Style Cape Cod
Security Features Security System Owned
Construction Materials Wood Siding,Brick Veneer
Year Built 1985
View Farm,Lake,Neighborhood,Water
Levels Three Or More
Property Subtype Single Family Residence
Parcel Number 022-80-01-003.00
County Wayne
New Construction No
Property Type Residential
HOA No
Attached Garage No
Subdivision Name Bartonville
Garage Y/N Yes
Total Rooms 15
Full Baths 3
Status Active
Directions from Hwy 90,turn right onto KY-92 West,then right onto HWY 789 for 7 miles,then stay right onto Old Lock 21 Rd. Home is on the Left,Signs Posted.
High School Wayne Co
City Monticello
Body of Water Lake Cumberland
High School District Wayne County - 70
MLS Area 070 - Wayne County
Lot Size Units Acres
Lot Size Square Feet 58806.0
Carport Y/N No
Elementary School Wayne Co
Land Lease Y/N No
Home Warranty Y/N No
Middle/Junior High School Wayne Co
MLS Area Minor 070 - Wayne County
Lease Considered Y/N No
Rent Control Y/N No
Structure Type House
Standard Status Active
MobileHomeRemainsYN No
Senior Community None
Sewer_co_Septic_sp_Tank True

Interior Features

Interior Amenities Ceiling Fan(s),Eat-in Kitchen,Entrance Foyer
Basement Concrete,Exterior Entry,Finished,Full,Interior Entry,Walk-Out Access,Walk-Up Access
Flooring Carpet,Vinyl,Other
Fireplace Features Basement,Blower Fan,Family Room,Living Room
Basement (Y/N) Yes
Air Conditioning Y/N Yes
Heating Y/N Yes
Fireplace Y/N Yes
Above Grade Finished Area 2354.0
Laundry Features Electric Dryer Hookup,Main Level,Washer Hookup
Total Bedrooms 3
Below Grade Finished Area 1048.0
LivingAreaSource Public Records
Total Baths 3
Heating-Heat Pump True

Exterior Features

Fencing Partial,Wood
Parking Features Attached Garage,Driveway,Garage Faces Front
Lot Features Wooded
Water Source Public
Lot Size Area 1.35
Foundation Details Concrete Perimeter,Slab
Building Area Total 3402.0
Lot Size Acres 1.35
Lot Size Source Public Records
Waterfront Y/N Yes
Crops Included Y/N No
Horse Y/N No
Irrigation Water Rights Y/N No

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 Somerset, KY 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 Wayne Co Elementary School
Middle School Wayne Co Middle School
High School Wayne Co High School

Price History

10/16/2025 Listed $395,000
11/26/2025 4% - $382,000
2/27/2026 9% - $349,000
3/7/2026 2% - $344,000
4/21/2026 12% - $305,000
5/4/2026 3% - $298,000
5/26/2026 4% - $289,000
6/25/2026 2% - $285,000
7/14/2026 2% - $282,000
8/11/2026 2% - $279,000

Property vs Zip Code Average in 42633

Price
AVG $320K
$280K
Year Built
AVG 1987
1985
Visits
AVG 123
1255
Data Provided by Inside Real Estate®

607 Old Lock 21 Road Monticello, KY is a Single Family Home for sale at $279000 with 3402 sqft and a lot size of 1.35 Acres Acre(s). 607 Old Lock 21 Road Monticello has 3 bedrooms, 3 baths and was built in 1985. The property's zip code is 42633 which is in Monticello, 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.