642 N Shore Drive, Monticello, KY 42633

$389,000
Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,600 Lot Size (sq. ft.): 38,333 Status: Active
Current Price: $389,000 List Date: 2/24/2026 Last Modified: 4/14/2026

Overview

Description

Welcome to your dream home in the prestigious Cumberland Shores gated community — where timeless craftsmanship meets year-round lake living. This stunning 4-bedroom, 3-bath custom brick home offers breathtaking, unobstructed views of the sparkling waters of Lake Cumberland all year long. Perfectly positioned to capture both sunrise serenity and golden evening reflections, this home blends elegance, comfort, and outdoor adventure. Boasting over 2,200 square feet (+/-) of thoughtfully designed living space, this home features rich hardwood floors that flow throughout the main living areas, adding warmth and sophistication. The spacious open-concept layout is perfect for entertaining, with generous living areas, abundant natural light, and picturesque lake views from multiple vantage points. The well-planned floor design includes four comfortable bedrooms and three full baths, offering ample space for family and guests alike. Step outside and take in peaceful mornings and relaxing eveni ...

Listing Details MLS# 26003358

Listing Information

Comp Sale YN
No
Property Sub Type
Single Family Residence

Status Change Information

Price Change Timestamp
2026-04-14T14:29:44Z
Status Change Timestamp
2026-02-24

Address

County
Wayne
Street Number
642
Street Direction Prefix
N
Street Name
Shore
Street Suffix
Drive
State
KY
Zip Code
42633
Directions
From KY Hwy 90 turn onto W Ky Hwy 92 and go 1.5 miles, turn slightly right onto Hwy 789 and proceed 4 miles, turn right onto Denny Ridge Rd, go .2 mile, once inside the gate at Cumberland Shores Subdivision turn left onto Northshore Drive and go .6 mile. Home is located on the right with signs present.
Parcel Number
036-10-01-046.00

Contract

Original List Price
399000
Start Showing Date
2026-02-24
Listing Contract Date
2026-02-23
Listing Agreement
Exclusive Right To Sell
Occupant Type
Occupied
Office Exclusive YN
No
List Price/SqFt
149.62

Tax Legal

MLS Area Major
070 - Wayne County
Subdivision Name
Cumberland Shores
High School District
Wayne County - 70

Interior

Bedrooms Total
4
Bathrooms Total
3
Bathrooms Full
3
Above Grade Finished Area
1500
Below Grade Finished Area
1100
Below Grade Unfinished Area
750
Living Area
2600
Living Area Source
Public Records
Basement YN
Yes
Fireplace YN
No
Bathrooms Half
0
Above Grade Unfinished Area
0
Non-Compliant Total SqFt
0

More Information

Parking Information

Garage YN
Yes
Garage Spaces
Yes
Carport YN
No

Building

Year Built
2011
Accessibility Features YN
No

Lot

Lot Size Source
Public Records
Lot Size Acres
0.88
Lot Size Square Feet
38332.8
Pool Private YN
No
View YN
Yes
Waterfront YN
Yes
Water Body Access YN
No
Water Body Name
Lake Cumberland
Horse YN
No

Utilities

Cooling YN
Yes
Heating YN
Yes
Electricity Available
Yes

Remarks

Public Remarks
Welcome to your dream home in the prestigious Cumberland Shores gated community — where timeless craftsmanship meets year-round lake living. This stunning 4-bedroom, 3-bath custom brick home offers breathtaking, unobstructed views of the sparkling waters of Lake Cumberland all year long. Perfectly positioned to capture both sunrise serenity and golden evening reflections, this home blends elegance, comfort, and outdoor adventure. Boasting over 2,200 square feet (+/-) of thoughtfully designed living space, this home features rich hardwood floors that flow throughout the main living areas, adding warmth and sophistication. The spacious open-concept layout is perfect for entertaining, with generous living areas, abundant natural light, and picturesque lake views from multiple vantage points. The well-planned floor design includes four comfortable bedrooms and three full baths, offering ample space for family and guests alike. Step outside and take in peaceful mornings and relaxing evenings overlooking the water. A convenient walking path leads directly to the lake. For boating enthusiasts, you're just minutes from a nearby boat ramp, providing quick and easy access to endless days of fishing, cruising, and watersports. Located within the security and exclusivity of Cumberland Shores, this property offers privacy, scenic beauty, and the ultimate lake lifestyle — all while remaining conveniently close to local amenities. Whether you're searching for a full-time residence or the perfect lake retreat, this exceptional property delivers the very best of luxury living at Lake Cumberland. Call today to schedule a private showing!

Amenity Fee Details

Amenity Fee YN
No

Showing Information

Showing Instructions
Contact listing agent or listing office

Room Types

Bathroom 1 Level
First
Bathroom 2 Level
First
Bathroom 3 Level
Lower
Bedroom 1 Level
First
Bedroom 2 Level
Lower
Bedroom 3 Level
Lower
Foyer Level
First
Kitchen Level
First
Living Room Level
Lower
Primary Bedroom Level
First
Bathroom 1
Yes
Bathroom 2
Yes
Bathroom 3
Yes
Bedroom 1
Yes
Bedroom 2
Yes
Bedroom 3
Yes
Foyer
Yes
Kitchen
Yes
Living Room
Yes
Primary Bedroom
Yes

Currently Not Used

List Price/Acre
442045.45

Tax & Legal

Elementary School
Bell
Middle Or Junior School
Wayne Co
High School
Wayne Co
Tax Rate
1

Association/Community

Association YN
Yes
Association Mandatory YN
Yes
Association Fee
200
Association Fee Frequency
Annually

Appliances

Microwave
Yes
Range
Yes
Refrigerator
Yes

Association Amenities

None
Yes

Association Fee Includes

Maintenance Grounds
Yes

Construction Materials

Brick Veneer
Yes

Cooling

Central Air
Yes

Flooring

Carpet
Yes
Hardwood
Yes

Foundation Details

Concrete Perimeter
Yes

Heating

Heat Pump
Yes

Interior Features

Eat-in Kitchen
Yes
Entrance Foyer
Yes
Walk-In Closet(s)
Yes

Laundry Features

Electric Dryer Hookup
Yes
Washer Hookup
Yes

Levels

Two
Yes

Other Equipment

Dehumidifier
Yes

Parking Features

Basement
Yes

Possession

Negotiable
Yes

Roof

Shingle
Yes

Sewer

Septic Tank
Yes

Structure Type

House
Yes

View

Lake
Yes

Water Heater

Electric
Yes

Water Source

Public
Yes

Window Features

Blinds
Yes

Showing Requirements

Call Listing Agent
Yes
Call Listing Office
Yes

Property Features

Utilities: Electricity Available; Electricity Available Appliances: Microwave; Range; Refrigerator Association Amenities: None Association Fee Includes: Maintenance Grounds Construction Materials: Brick Veneer Cooling: Central Air Flooring: Carpet; Hardwood Foundation Details: Concrete Perimeter Heating: Heat Pump Interior Features: Eat-in Kitchen; Entrance Foyer; Walk-In Closet(s) Laundry Features: Electric Dryer Hookup; Washer Hookup Levels: Two Other Equipment: Dehumidifier Parking Features: Basement Possession: Negotiable Roof: Shingle Sewer: Septic Tank Structure Type: House View: Lake Water Heater: Electric Water Source: Public Window Features: Blinds Showing Requirements: Call Listing Agent; Call Listing Office Room Types: Bathroom 1; Bathroom 2; Bathroom 3; Bedroom 1; Bedroom 2; Bedroom 3; Foyer; Kitchen; Living Room; Primary Bedroom

Room Information

Room Name Level
Primary Bedroom First
Kitchen First
Bedroom 1 First
Living Room First
Foyer First
Bathroom 1 First
Bathroom 2 First
Bathroom 3 Lower
Bedroom 2 Lower
Bedroom 3 Lower
Living Room Lower
Listing Office: No Wake Real Estate
Last Updated: April - 14 - 2026
Information deemed reliable but not guaranteed.