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$285,000 Sale Pending

  • For Sale
  • Pending
  • Single Family
  • 3 Beds
  • 1 Full Bath
  • 1,536 Sq. Ft.
  • 0.51 Acres
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Escape to the lake and enjoy everything Elk Lake has to offer with this lakefront cottage, perfectly situated in one of Northern Kentucky's most desirable private lake communities. Featuring an open-concept layout with a spacious loft, this cottage offers a warm and welcoming space for weekend getaways or seasonal living. Recent updates include newer wide-plank laminate flooring throughout the main level, adding both style and durability. Step outside to the expansive screened-in covered deck, where you can relax while taking in peaceful lake views overlooking your dock. A covered lower porch provides additional outdoor living space, while the firepit area creates the perfect setting for evenings spent with family and friends. Surrounded by mature trees and nature, the private lot offers the tranquility you've been searching for, all while being conveniently located near the front gate for easy access. Additional features include high-speed internet, a dock shed for storing your lake gear, a charming paver patio on the front side of the home, and a newly installed gravel driveway accessible by a 4-wheel-drive vehicle. Whether you're looking for a relaxing weekend retreat or a place to make lifelong memories, this lakefront gem is your opportunity to become part of the incredible Elk Lake community. Don't miss your chance to enjoy boating, fishing, swimming, and the unmatched lake lifestyle!

Full Property Details for 445 Elk Lake Resort Rd #411

General

  • Price: $285,000
  • HOA FEE: $208/month
  • HOA FEE FREQ.: Annually
  • Status: Pending
  • Type: Single Family
  • Source: Northern_Kentucky
  • MLS ID: 645237
  • Updated: 8/4/2026
  • Added to Site: 26 day(s) ago

Interior

  • Number of Rooms: 6
  • Interior Features: Open Floorplan, High Speed Internet, Ceiling Fan(s), High Ceilings, Natural Woodwork, Recessed Lighting, Vaulted Ceiling(s)
  • Fireplace: Yes
  • Number of Fireplaces: 1
  • Fireplace(s): Wood Burning Stove
  • Appliances: Electric Range, Microwave, Refrigerator

Rooms

Bathrooms

  • Total Bathrooms: 1
  • Full Bathrooms: 1

Bedrooms

  • Total Bedrooms: 3

Other Rooms

  • Laundry: Main Level

Additional Information

  • Shared Amenities: Lake Year Round, Lake Seasonal, Playground, Clubhouse, Trail(s), Management

Exterior

  • Exterior Features: Fire Pit, Boat Slip, Dock, Balcony
  • Porch/Patio/Deck: Deck, Porch

Parking

  • Parking Features: Driveway, Off Street

Location

  • County: Owen
  • Driving Directions: From Elk Creek Vineyard head East, turn Right onto Rt 1883, turn Right at stop sign. ''Gated Community; must have an appointment to be escorted by an agent.''

School Information

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

Community

  • Community Name: K22 - Owen Cty
  • Association: Yes
  • Assoc. Fees Include: Association Fees, Maintenance Grounds, Security, Snow Removal, Trash

Heating & Cooling

  • Air Conditioning: Yes
  • Cooling Type: Window Unit(s)
  • Heating Type: Wood Stove

Utilities

  • Sewer: Septic Tank
  • Water: Public
  • Cable Available: Yes
  • Utility Description: Cable Available, Natural Gas Available

Structural Information

  • Architectural Style: Cottage
  • Construction: Vertical Siding, Block, Wood Siding
  • Basement Desc.: Crawl Space
  • Roof: Metal
  • Windows: Other
  • Square Feet: 1,536
  • Living Area: 1,536 Sq. Ft.
  • Year Built: 1960
  • Property Condition: Existing Structure

Additional Structures

  • Other Structures: Shed(s)

Lot Features

  • Property View: Trees/Woods
  • Lot Size (Acres): 0.51
  • Lot Size (Sq. Ft.): 22,259
  • Lot Size: .51
  • Lot Size Source: Realist
  • Lot Dimensions: Of Record
  • Frontage: Private Road, Gravel
  • Lot Features: Cleared, Sloped Down, Waterfront, Wooded
  • Zoning: Residential

Financial Considerations

  • Association Fee: $2,500
  • Assoc Fee Freq.: Annually
  • Other Assoc Fees: $3,500

Disclosures and Reports

  • Property ID: 075-80-04-011.00

Listed by Sibcy Cline, REALTORS-Florence, Patrick Tenoever

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Listing agent

— 445 Elk Lake Resort Rd #411 —

  • Patrick Tenoever

    Sibcy Cline, REALTORS-Florence

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 445 Elk Lake Resort Rd #411

School District:Owen County School District
NameGradesDistance
Owen County Elementary School
1960 Hwy 22 E, Owenton, KY 40359
PK-43.3 mi
Maurice Bowling Middle School
2380 Hwy 22 E, Owenton, KY 40359
5-83.5 mi
Owen County High School
2340 Hwy 22 E, Owenton, KY 40359
9-123.6 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 445 Elk Lake Resort Rd #411 Get Price Alerts and Save Property

Date
Details
Price
Change
Source
7/31/2026
Listed
$285,000
148.91%
MLS
8/04/2017
Sold
$114,500
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 445 Elk Lake Resort Rd #411

Year
Property Taxes
Change
Tax Assessment
Change
2025
$68
1%
$2,800
—
2024
$67
-1%
$2,800
—
2023
$68
1%
$2,800
—
2022
$67
—
$2,800
—
2021
$67
-1%
$2,800
—
2020
$68
—
$2,800
—
2019
$68
1%
$2,800
—
2018
$67
2%
$2,800
—
2017
$66
—
$2,800
—
2016
$66
5%
$2,800
12%
2015
$63
—
$2,500
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Estimate the Cost for 445 Elk Lake Resort Rd #411

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Down Payment
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*These costs are estimates, and the interest rates assume exceptional credit standing.

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Listed by Sibcy Cline, REALTORS-Florence, Patrick Tenoever

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445 Elk Lake Resort Road #411, Owenton, KY 40359 (MLS# 645237) is a Single Family property with 3 bedrooms and 1 full bathroom. 445 Elk Lake Resort Road #411 is currently listed for $285,000 and was received on July 31, 2026. Want to learn more about 445 Elk Lake Resort Road #411? Do you have questions about finding other Single Family real estate for sale in Owenton? You can browse all Owenton real estate or contact a Coldwell Banker agent to request more information.

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