Lake lovers 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.
Waterfront Home with boat slip available. Walk to the lake! This custom built home feels larger than life with 5 bedrooms, 4 Baths, 6 garage spaces and over 4,000 SQFT of finished living area with over 2,000 SQFT of combined garage spaces, all while looking very modest from street view. Features of this home include: gas logs, upstairs and downstairs Kitchens, laundry rooms on both levels, 1/2 wrap around porch overlooking beautiful Lake Cumberland, a 32x36 garage as well 2 car attached garage. Too much to list here! Inside of the home, the master suite is located on the main level and a spacious layout with walk-in closet, dual head shower, and private deck overlooking the lake. The lower level feels like a second home! It offers 10-foot ceilings, large entertainment areas and multiple entrances, another garage, and air conditioned shop. Making it perfect for entertaining guests or relaxing at home when coming from the lake. There is also the availability of a boat slip at the private community dock. Just minutes away from Conley Bottom via the water. The roof and gutter guards were replaced in June 2023, providing peace of mind for the new owner.
Public Records
Jun 1, 1991
Sold
$17,500
$4/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$4,616 (+6.9%)
$50,000 + $475,000
$525,000
2024
$4,318 (+187.4%)
$50,000 + $475,000
$525,000
2023
$1,503 (−6.9%)
$50,000 + $475,000
$525,000
2022
$1,614 (−0.7%)
$35,500 + $170,000
$205,500
2021
$1,626 (−1.8%)
$40,000 + $170,000
$210,000
2020
$1,656 (−0.1%)
$40,000 + $170,000
$210,000
2019
$1,658 (−0.7%)
$40,000 + $170,000
$210,000
2018
$1,669 (−0.6%)
$40,000 + $170,000
$210,000
2017
$1,679 (+5.3%)
$40,000 + $170,000
$210,000
2016
$1,595 (−0.4%)
$40,000 + $170,000
$210,000
2015
$1,602 (+1.2%)
$40,000 + $170,000
$210,000
2014
$1,583 (+8.0%)
$40,000 + $170,000
$210,000
2010
$1,465
$40,000 + $170,000
$210,000
Public record
Beds
3
Baths
3
Stories
1
Lot width
—
Lot depth
—
Lot size
0.95 Acres
Year renovated
—
Finished Sq. Ft.
2,323
Unfinished Sq. Ft.
—
Total Sq. Ft.
2,323
Year built
—
Style
Single Family Residential
County
Wayne County
APN
022-80-02-007.00
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Aug 7, 2026.
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
4/10 Heat Factor
7 days above 103° expected this year, 20 days in 30 years
3/10 Wind Factor
5% chance of strong winds in next 30 years
1/10 Air Factor
0 unhealthy days expected this year, 0 days in 30 years
Provided by First Street
Historical weather
Monticello, KY • 42633
Average low and high temperatures (°F)
41
21
52
29
67
40
74
49
76
56
85
65
88
70
84
63
81
59
72
46
61
40
51
32
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
In this area, properties receive around 8.9 hours in
June and 3.7 hours in December, placing it below the
U.S. average for solar exposure.
8.9 hrs
3.7 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 1095 Old Lock 21 Rd
We cannot show automated home-value estimates for this home.
Nearby homes have recently sold between $290,000 and $640,000.
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $290K to $640K.