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Listing provided courtesy of Sibcy Cline, REALTORS-Florence- MLS# 636447MLS Provider

445 Elk Lake Resort Road #105-106Owenton, KY 40359

Single Family · 2 Beds · 1 Full Bath
$235,000 Active

445 Elk Lake Resort Road #105-106 Overview

Time on Site:
283 days
Visits:
32

Great opportunity to enjoy lake life at an affordable price! This 2-bedroom, 1-bath cottage is situated on two dry lots, offering extra space and plenty of storage. The open-concept design makes the home feel spacious and welcoming, while the large covered front porch is perfect for relaxing with friends and family! Recent updates include a new hot water heater and a new side deck. The property also features two oversized metal sheds with concrete floors totaling 600 sq. ft.--ideal for storing lake toys, tools, or creating a workshop. From the cottage, enjoy a view of the lake cove, covered pavilion approx. 350 sq. ft. under roof, and take advantage of the convenient location near the front gate and the marina boat launch. Whether you're looking for a weekend getaway or a year-round retreat, this home is a wonderful way to become part of a private lake community. Elk Lake information: 8 farms comprising of 1,100 acres were purchased, and Elk Lake was dammed to produce a body of water approximately 255 acres with 14 miles of shoreline, 1300 lots that are serviced by 17 miles of gravel road. In 1961, the non-profit Elk Lake Property Owners' Association (ELPOA) was established!

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445 Elk Lake Resort Road #105-106 Facts & Features

  • Type Single Family

Details

General

Association/HOA

  • Association Fee: 2500.0
  • Association Fee Frequency: Annually
  • Association Fee Includes: Association Fees, Maintenance Grounds, Management
  • Association: Yes

School Information

  • Elementary School: Owen County Elementary
  • Middle Or Junior School: Maurice Bowling Middle School
  • High School: Owen County High

Building Information

  • New Construction: No
  • Sewer: Public Sewer: true
  • Year Built: 1963

Location/Region

  • County Or Parish: Owen
  • MLS Area Major: K22 - Owen Cty
  • MLS Area Minor: K22 - Owen Cty

General Information

  • Parcel Number: 075-80-01-007.00
  • Property Condition: Existing Structure
  • Property Sub Type: Single Family Residence
  • Property Type: Residential

Interior

Building Information

  • Heating: Baseboard: true

Beds/Baths

  • Bathrooms Full: 1
  • Bathrooms Half: 0
  • Bathrooms Total: 1
  • Bedrooms Total: 2

Building Interior

  • Fireplace Features: Wood Burning: true
  • Interior Features: Ceiling Fan: true
  • Interior Features: Open Floorplan: true
  • Laundry Features: Main Level: true

General Information

  • Appliances: See Remarks, Electric Cooktop, Dryer, Refrigerator, Washer
  • Fireplace Features: Wood Burning
  • Fireplace: Yes
  • Fireplaces Total: 1
  • Foundation Details: Block
  • Interior Features: Open Floorplan, Eat-in Kitchen, Ceiling Fan(s)
  • Laundry Features: Main Level
  • Rooms Total: 6

Unit Information

  • Unit Number: 105-106

Exterior

Parking Information

  • Parking Features: Driveway, Off Street

Lot Information

  • Lot Features: Cleared, Sloped, Wooded
  • Lot Size Dimensions: Of record
  • Road Surface Type: Gravel
  • Water Source: Public

Waterfront/View

  • View: Lake
  • View: Lake2: true

Building Exterior/Construction

  • Attached Garage: No
  • Construction Materials: Block, Vinyl Siding
  • Patio And Porch Features: Covered, Deck, Porch
  • Property Attached: No
  • Roof: Metal

General Information

  • Exterior Features: Private Yard
  • Other Structures: Shed(s)
  • Road Frontage Type: Private Road
  • Sewer: Public Sewer
  • Utilities: Cable Available

445 Elk Lake Resort Road #105-106 Neighborhood

Community

40359 (Owenton) Demographics

43
Median Age
29
Population Density (per sq. mile)
27%
College Educated
$51,667
Estimated Median Income
2,011
Estimated Total Home Owners
631
Estimated Total Renters
76% / 24%
Estimated Owner / Renter Divide
2
Estimated Average Household Size
Community data courtesy of LiveBy, Inc.

Schools

School data courtesy of LiveBy, Inc. School ratings are based on a scale of 1-5, with 5 being the highest rating and 1 being the lowest rating.

445 Elk Lake Resort Road #105-106 Monthly Cost

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* All calculations are estimates and provided by Reliance Network, for informational purposes only. Actual amounts may vary. ** Assumes 6.50% APR, 20% down payment, and conventional 30-year fixed rate first mortgage. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice. You should not make any decisions based simply on the information provided. Additional required amounts such as taxes, insurance, homeowner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Contact your mortgage company for current rates and additional information. Any mortgage broker or insurance agent that may appear is independent and is not affiliated with, endorsed by, or provided by the MLS.

445 Elk Lake Resort Road #105-106 Market Data

Based on the last 30 days in this zip code

$387,593
Average List Price
$262
Average Price per Square Foot
9
Properties Sold
93
Average Days on Market
58
Properties for Sale
Calculations provided by Reliance Network

445 Elk Lake Resort Road #105-106 History

Date Event Value Agent
4/27/2026Source: Northern Kentucky MLS Price Reduction
$235,000 -6.0%
9/19/2025Source: Northern Kentucky MLS Added to Database
September 19, 2025