445 Elk Lake Resort Rd #122, Owenton, KY, 40359
About This Home
Escape to the peace and serenity of this cozy 2-bedroom, 1-bath cabin nestled in a quiet, wooded setting just steps from the lake! Located in a sought-after lake resort community, this off-water gem offers the perfect blend of charm and modern comfort. House is fully furnished. Price can be adjusted if furnishings are not included.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Property condition: Existing Structure
- Year built: 1978
Materials
- Foundation: Poured Concrete
- Roof: Shingle
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Other,See Remarks,Electric Oven,Convection Oven,Dishwasher
Bedroom2
- Features: Carpet Flooring
- Level: First
- Area: 100
- Dimensions: 10 x 10
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Features
- Window features: Vinyl Clad Window(s)
- Number of fireplaces: 1
- Fireplace features: Brick
- Fireplace: Yes
Heating & Cooling
- Heating features: Electric
- Cooling features: Ductless
Interior Area
- Total structure area: 776
- Total interior livable area: 776 sqft
Primary Bedroom
- Features: Carpet Flooring
- Level: First
- Area: 100
- Dimensions: 10 x 10
Property
Details
- Parcel number: 0758001022.00
Features
- Levels: One
- Stories: 1
Lot
- Lot size dimensions: 0 x 0 x 0
Parking
- Parking features: Driveway
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Lightning
- Strong Wind
- Tornado
- Cold Wave
- Ice Storm
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Kentucky Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,061 | $12,732 |
| Home Insurance * | $183 | $2,196 |
| Property Taxes | $112 | $1,344 |
| Electricity | $154 | $1,850 |
| Total | $1,510 | $18,120 |
Income You'd Need if You Spent...
Kentucky FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2025-10-22 | Price change | $220,000 |
| 2022-03-04 | Pending sale | $139,900 |
| 2022-01-26 | Price change | $139,900 |
| 2022-01-14 | Listed for sale | $145,000 |
View on Zillow