A custom 1998 waterfront home on 2.12 acres overlooking Lake Cumberland, Kentucky, with a boat slip, a trail to the water, over 2,000 square feet of garage space, and furnishings included, listed at $675,000.
Some lake homes give you a glimpse of the water. This one puts you right on top of it.
Set on 2.12 wooded acres on a point overlooking Lake Cumberland, this custom home offers wide open water views, a trail down to the shoreline, and a slip in a new private community dock.
Inside, it offers more than 4,000 square feet of living space across two full levels, including a second full kitchen downstairs. Outside, it offers more than 2,000 square feet of garage space, including a detached 32 by 36 garage built for boats and water toys.
It is also being sold furnished, with a few exceptions, and even includes a small boat.
Below, we walk through every part of this property, what the listing tells us, what it leaves out, and the questions a smart buyer should ask before making an offer.
Property Overview
- Address: [ADDRESS], Kentucky
- List price: $675,000
- Bedrooms: 5
- Bathrooms: 3
- Living area: 4,106 square feet
- Year built: 1998
- Lot size: 2.12 acres
- Waterfront: views of Lake Cumberland with a trail to the water
- Boat access: slip in a new private community dock
- Garage space: over 2,000 square feet, including an attached 2-car garage, lower-level garage space, and a 32×36 detached garage
- Lower level: 10-foot ceilings, full second kitchen, 2 bedrooms, bathroom, flex space, air-conditioned workshop
- Recent updates: new roof in 2023; new carpet, paint, basement countertops, and smart thermostat in 2024
- Sold furnished, with exceptions to be provided, including a small boat
The Location: Lake Cumberland
Lake Cumberland in southern Kentucky is one of the largest man-made lakes in the eastern United States.
It is famous for its clear water, long wooded shoreline, houseboating, fishing, and marinas. For many families across Kentucky, Tennessee, Ohio, and Indiana, it is the go-to summer lake.
The listing notes the home is minutes by water from Conley Bottom, a well-known marina and resort area on the lake. That means easy access to fuel, supplies, dining, and a lively summer scene without needing to trailer a boat.
The Setting
Aerial photos show the home sitting on a wooded point, with water visible across a wide stretch of the lake and forested hills on the far shore.
A long, curving driveway leads through open lawn to the house, which is surrounded by mature trees on the water side.
This kind of setting offers something many lake properties lack: both privacy and a broad, open view. Buyers should walk the property to see how much of the lot is usable lawn and how the land slopes toward the shoreline.
Water Access and the Trail
A trail leads from the home down to the water.
Lake Cumberland’s shoreline is managed by the U.S. Army Corps of Engineers, which controls what can be built or cleared along the water’s edge. Private docks and shoreline improvements usually require permits, and many properties rely on community docks instead.
Buyers should ask for details on the trail’s length and slope, and confirm what shoreline use is allowed in front of the property.
Water levels on Lake Cumberland also rise and fall seasonally. The aerial photo shows a visible band of exposed shoreline, which is normal for the lake at certain times of year. Buyers should ask how the water access changes between summer and winter levels.
The Boat Slip
The property includes an available slip in a private community dock, which the listing describes as new.
On a lake where private dock permits can be limited, a secured slip is a major value point.
Buyers should ask several questions: Is the slip deeded, leased, or assigned? What size boat does it accommodate? What are the annual dock fees? Who manages the dock association, and what are its rules?
The Main Level Living Area
The main level features an expansive living area.
In a lake home, the main living space is where everyone gathers after a day on the water. A large room like this can handle big families, weekend guests, and game nights with ease.
Buyers should look at how the windows frame the lake view from this room, since that view will define daily life in the house.
The Kitchen
The main kitchen is described as large.
For lake homes that host crowds, kitchen size matters more than almost anything. A large kitchen means multiple cooks can prepare meals at the same time without getting in each other’s way.
The listing does not detail the kitchen finishes or appliances. Ask about their age and which items convey, especially since the home is being sold furnished.
The Dining Room
A spacious dining room sits on the main level.
It gives families a place to gather around a large table, which is especially valuable for holidays and summer weekends when the house is full.
The Main Level Bedrooms
The main level includes three bedrooms and two bathrooms.
This allows everyday living on one floor, with the lower level available for guests, older children, or extended family.
The Primary Suite
The primary suite includes a private deck.
Stepping outside from the bedroom to a morning coffee with a lake view is one of the best perks of lake living. Buyers should ask about the deck’s material, age, and last maintenance.
The Utility Room and Attached Garage
The main level also includes a utility room and a two-car attached garage.
Main-level laundry is a convenience many buyers look for, and an attached garage makes unloading groceries and gear easy in any weather.
The Lower Level
The lower level is almost a second home.
It offers 10-foot ceilings, which is unusually high for a basement and makes the space feel bright and open rather than cramped.
It includes another full kitchen, two bedrooms, a bathroom, a living area, an expansive flex space, a second utility room, an air-conditioned workshop, and additional garage space.
The Second Kitchen
The lower-level kitchen received new countertops in 2024.
A second full kitchen opens many possibilities. It can serve guests who want their own space, extended family living together, or large gatherings where one kitchen is not enough.
Buyers considering rental use should check local rules before operating the lower level as a separate unit.
The Lower Level Bedrooms
Two bedrooms and a bathroom sit on the lower level.
For a lake home, this is an ideal guest setup. Visitors can have their own living area, kitchen, and bathroom, giving everyone privacy during long weekends.
Buyers should confirm that the lower-level bedrooms have proper egress windows.
The Flex Space
The expansive flex space can be adapted to nearly any need.
It could become a game room, home gym, bunk room for kids, home theater, or office. With 10-foot ceilings, it can handle features like a pool table or ping pong table comfortably.
The Air-Conditioned Workshop
An air-conditioned workshop on the lower level is a rare feature.
Southern Kentucky summers are hot and humid. A climate-controlled workshop lets hobbyists work year-round and protects tools and equipment from moisture.
The Detached Garage
The property includes a 32 by 36 detached garage.
That is more than 1,100 square feet of space on its own, ideal for storing boats, jet skis, kayaks, golf carts, and all the other gear that comes with lake life.
Combined with the attached garage and lower-level garage space, the listing states there is more than 2,000 square feet of garage space overall.
Buyers should ask about the detached garage’s door sizes, ceiling height, and whether it is insulated.
The Electrical Service
The listing specifies two 200-amp panels in the house and one 100-amp panel in the garage.
That is a strong electrical setup. It provides capacity for two kitchens, a workshop, air conditioning, and future additions such as an electric vehicle charger or a hot tub.
The Central Vacuum System
A central vac system is included.
In a home this size, a central vacuum makes cleaning easier and can reduce dust and allergens. Ask whether the hoses and attachments convey with the sale.
The Outdoor Living Area
The home features a half wraparound porch and a new fire pit.
A covered porch is perfect for watching summer storms roll across the lake, while the fire pit makes cool fall evenings something to look forward to.
Buyers should ask about the porch material and any recent maintenance.
Recent Updates
The seller has completed several recent updates:
- New roof in 2023
- New carpet in 2024
- New paint in 2024
- New basement kitchen countertops in 2024
- New smart thermostat in 2024
A 2023 roof is especially valuable. It lowers near-term maintenance costs and often helps with insurance pricing.
Buyers should ask for receipts and any warranty information for these updates.
Sold Furnished
The home is being sold furnished, with exceptions to be provided.
The furnishings even include the small boat currently in the basement.
For buyers purchasing a second home or vacation property, a furnished sale can save thousands of dollars and weeks of setup time. Buyers should ask for the list of excluded items early, and get a written inventory of what conveys.
Move-In Ready
The listing describes the home as move-in ready.
With a new roof, fresh paint, new carpet, and furnishings included, a buyer could potentially start enjoying the lake right after closing.
HVAC
The listing mentions a smart thermostat but does not describe the heating and cooling system itself.
Ask about the system type, age, and service history. A home of over 4,000 square feet with two levels may have more than one unit.
Utilities
Buyers should confirm whether the home uses public water or a well, and public sewer or a septic system.
Many lake properties rely on septic systems. If so, request pumping and inspection records and consider a septic inspection.
Also ask about internet providers, which can vary widely around the lake.
Insurance Considerations
Insurance for a lake home can vary depending on distance to the nearest fire department and hydrant.
The new roof should help. Buyers should also ask about coverage for the detached garage, the furnishings, and the included boat, which may require a separate policy.
Since the home sits well above the water on a wooded point, flood risk may be limited, but checking FEMA flood maps is always wise for waterfront property.
Financing Options
Several loan types could work for this home.
Conventional loans are the most common choice, especially for second homes. Lenders often require larger down payments for vacation properties.
FHA loans may be an option for buyers purchasing the home as a primary residence.
VA loans allow eligible veterans and service members to buy a primary residence with no down payment.
USDA loans are designed for eligible rural areas. Some parts of the Lake Cumberland region may qualify, but the program is for primary residences with income limits, so buyers should check eligibility carefully.
FHA 203k renovation loans are less relevant here since the home is move-in ready, but they remain an option for buyers planning major changes.
Lenders generally do not finance furniture or boats, so the value of included items should be discussed with the lender and appraiser.
Who This Home Is For
This property suits several kinds of buyers.
Families get five bedrooms, two kitchens, and plenty of room for guests.
Boaters get a slip, a trail to the water, and huge garage space for their toys.
Second-home buyers get a furnished, move-in ready lake retreat.
Multigenerational households get a lower level that works as a nearly independent living space.
Owner-Occupant Potential
As a full-time residence, this home offers space, comfort, and daily lake views.
The main level provides easy one-floor living, while the lower level handles guests and hobbies.
Rental Potential
Lake Cumberland is a popular vacation destination, and lake homes with boat slips often attract strong rental interest.
Buyers should check county rules on short-term rentals, community dock rules on renters using the slip, and any HOA restrictions. Insurance for rental use will also differ from a standard homeowners policy.
Possible Future Improvements
- Adding a screened porch for bug-free evenings
- Installing a hot tub with a lake view
- Adding an EV charger in the garage
- Creating a bunk room in the flex space
- Improving the trail to the water with steps or lighting
- Adding a whole-home generator
Questions to Ask Before Making an Offer
- Is the boat slip deeded, leased, or assigned?
- What are the annual dock or community fees?
- What are the Army Corps shoreline rules in front of the property?
- How does water access change with seasonal lake levels?
- What furnishings are excluded from the sale?
- How old is the HVAC system?
- Is the home on septic or sewer, and well or public water?
- Are there HOA rules or rental restrictions?
- What are the property taxes and average utility costs?
- Are receipts and warranties available for recent updates?
Inspection Is Essential
Even a move-in ready home deserves a thorough inspection.
Buyers should have the house, detached garage, decks, porch, and HVAC systems inspected. A septic inspection is recommended if applicable, and the dock slip should be checked as well.
The Price in Context
At $675,000, the home works out to roughly $164 per square foot of living area.
That price includes more than 4,000 square feet of living space, over 2,000 square feet of garage space, a boat slip, a new roof, and furnishings.
Buyers should compare it with recent sales of lake view homes with boat slips around Lake Cumberland. Slip access and water views usually carry significant premiums in this market.
Final Thoughts
This Lake Cumberland home offers what many lake buyers search for years to find.
Wide water views, a boat slip, a trail to the lake, two full kitchens, five bedrooms, huge garage space, a new roof, and furnishings included.
Do the homework on the slip, the shoreline rules, and the systems. If everything checks out, you could be on the water by next summer.
Would you live here?
View the full listing on Zillow: [ZILLOW LINK ], Kentucky
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