- Overview
- Description
- Property Details
- Location
- HOA Management
- Facts & Features
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$650,000
Monthly Est:$3,235
3 Beds
- 4 Baths
3 full baths + 1 half bath
2,049sqft
649-650 Lakeshore Loop, Owenton, KY 40359
$650,000
$3,235/moEst:
Get Pre-Approved
Single Family Residence
Built in 2003
$208.33/mo HOA
-- sqft lot
$317/sq.ft
Description
Experience the perfect blend of comfort, quality, and lakefront living in this meticulously maintained 2-story home located in the desirable Elk Lake Shores Resort. Situated on approx. 1 acre across 2 waterfront lots, this exceptional property offers breathtaking lake views, deep water access, and the tranquility of a protected no-wake cove. Designed with both everyday living and entertaining in mind, the open-concept main level features high ceilings, windows that fill the home with natural light, hardwood flooring, and a stone gas fireplace in the living room. Step outside onto the expansive wraparound covered deck, complete with 2 sun screens, and enjoy panoramic lake views! The spacious 1st fl primary suite offers convenience and privacy, featuring a large closet and an ensuite bath. The main level also includes a 1st fl laundry room and a convenient 1/2 bath for guests. Upstairs and downstairs, you'll find 2 additional bedrooms, 2nd fl has walk in closet, along with full bathrooms, providing plenty of room for family and guests. The finished walkout lower has tile flooring, a large family room, and is already planned for a future kitchenette--making it ideal for extended family. Walk directly onto the covered paver patio and continue down to the lake. Outdoor access has been thoughtfully designed with both poured concrete steps leading to the front entrance and a gravel pathway providing utility vehicle access to the dock, making it easy to transport people, coolers, and lake gear. The waterfront is truly exceptional, featuring a shaded Trex deck above the dock, Trex steps leading down to the dock, electric service at the dock, and deep water that's perfect for swimming, floating, and boating. Additional features include: Two programmable Nest thermostats, gutter helmet gutter protection system & hot water heater is 3 years old! The home has been meticulously maintained inside and out!
- Houzeo last checked: 9 minutes ago
- Listing updated: September 14, 2026 at 12:10 pm
- Listing Provided by: Patrick Tenoever (513) 615-3002 DRE #251387 | Sibcy Cline, REALTORS-Florence (859) 525-8888
- Source: Northern Kentucky Multiple Listing Service | MLS#: 644502

Property Details
Status
Active
Type
Single Family Residence
No. of Stories
-
County
City
Neighborhood
--
Year Built
2003
HOA Fees
$208.33/mo
Finished Area
2,049 sqft
Lot Size
-- sqft lot
Basement Area
- sqft
MLS Name
Northern Kentucky Multiple Listing Service
MLS Number
644502
MLS Status
Active
Days on Market
112
Cumulative Days on Market
67

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Location
HOA Management
N/A
HOA Fees
$2,500/ Annually
Amenities
Amenities and services may be covered by one or multiple associations and service providers.
Bike Trails
Snow Removal
Club House
Maintenance
Trash Pickup
Park Playground
Security Guard
Lake Seasonal
Lake Year Round
Association Fees
Management
Disclaimer: Amenities are based on third-party information and may vary; buyers must independently verify all amenities, as information is deemed reliable but not guaranteed.
Facts & Features
Rooms
Bedrooms & bathrooms
Bedrooms: 3
Bathrooms: 4
Interior
Interior Features
Walk In Closet(s), Storage, Smart Thermostat, Pantry, Open Floorplan, Breakfast Bar, Built In Features, Ceiling Fan(s), High Ceilings, Multi Panel Doors, Recessed Lighting
Window Features
Double Hung
Cooling
Central Air
Appliances
Electric Range, Dishwasher, Dryer, Microwave, Refrigerator, Washer
Exterior Features
Private Yard, Boat Slip, Dock, Balcony
Heating
Forced Air, Electric
Sewer
Septic Tank
Construction
Year Built
Year Built: 2003
Home type
Single Family Residence
Property Condition
Existing Structure
Architectural Style
Traditional
Foundation Details
Poured Concrete
Roof
Composition, Shingle
Construction Materials
Concrete, Vinyl Siding
Utilities & Energy
Fireplace Features
Stone, Gas
Association Amenities
Lake Year Round, Lake Seasonal, Playground, Clubhouse, Trail(s), Management
Basement
Full Finished Bath, Finished, Walk Out Access
Parking Features
Off Street
Laundry Features
Electric Dryer Hookup, Main Level
Water Source
Public
Utilities
Cable Available, Natural Gas Available
Other Features
Lot Features
Cleared, Sloped, Waterfront, Wooded
Subdivision Name
Elk Lake
Patio And Porch Features
Covered, Deck, Patio, Porch
Price History
| Date | Event | Price |
|---|---|---|
07/09/2026 Source: | Listed for Sale | $650,000 $317/sqft |
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Based on information from the Northern Kentucky Multiple Listing Service, Inc. through Oct 30, 2026, 01:45AM. Information is provided exclusively for consumers’ personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties that consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed accurate by the MLS. This website may not include listings or property addresses of sellers who have directed their listing brokers to withhold their listing or their property address from display on the Internet. © 2026 Northern Kentucky Multiple Listing Service, Inc. All Rights Reserved.
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