See the Zillow link after the images.
It’s Saturday morning. The coffee’s hot. The air is quiet. And just a few minutes down the road, the water is waiting.
Welcome to a different pace of life at 109 Betsy Ln, Monticello, KY 42633 — a charming, affordable getaway near Lake Cumberland that delivers exactly what most buyers are looking for right now: peace, simplicity, and proximity to the lake without the high price tag.
At just $185,500, this property offers a rare opportunity to own a slice of Kentucky lake life without stretching your budget.
📍 Property Overview
Built in 2020, this 3-bedroom, 1-bath home offers approximately 1,064 square feet of living space on a generous 0.7-acre lot .
Whether you’re searching for a weekend escape, a vacation home, or a smart investment, this property checks all the boxes:
- 3 Bedrooms (including a versatile loft space)
- 1 Full Bathroom
- Open-concept living, dining, and kitchen
- Modern build (2020)
- No HOA
- Peaceful rural setting
The layout is simple, functional, and designed for low-maintenance living, making it ideal for both personal use and rental potential.
🛋️ Inside the Home
Step inside and you’ll find a bright, open living space that makes it easy to relax or entertain after a long day on the water.
The living room, kitchen, and dining area flow together seamlessly, creating a central gathering space that feels comfortable without being oversized. Natural light fills the home, giving it that clean, welcoming feel buyers are drawn to.
The home includes:
- Two main-level bedrooms for everyday convenience
- A versatile loft bedroom that can be used for guests, bunk space, or additional sleeping capacity
- A full bathroom with everything you need for daily living
This layout works especially well for:
- Families
- Weekend groups
- Short-term rental guests
🌿 Outdoor Space & Lifestyle
One of the most underrated features of this property is the setting.
Sitting on 0.7 acres, you get space, privacy, and that quiet country atmosphere that’s hard to find in more crowded lake areas .
Out back, the porch becomes your daily ritual:
- Morning coffee before heading to the lake
- Evenings winding down after a full day outdoors
- Fresh air, quiet surroundings, and no distractions
This is the kind of place people are trying to escape to.
🌊 Minutes to Lake Cumberland & Conley Bottom
Location is everything — and this property delivers.
You’re just minutes from:
- Lake Cumberland
- Conley Bottom Resort
That means:
- Easy access to boat ramps and marina services
- Quick trips to the water without long drives
- More time enjoying the lake, less time getting there
Lake Cumberland is known for:
- Boating and fishing
- Scenic shoreline and open water
- One of the most popular lake destinations in Kentucky
💰 Investment Potential (This Is Big)
At this price point, this property isn’t just a home — it’s an opportunity.
With its location and layout, it has strong potential as:
- An Airbnb or VRBO rental
- A seasonal vacation property
- A hybrid personal use + income-producing asset
The loft space alone increases:
- Guest capacity
- Booking flexibility
- Overall rental appeal
And with demand for affordable lake properties continuing to rise, homes like this don’t stay available long.
🧠 Why This Property Stands Out
Let’s keep it simple:
- ✅ Under $200K near Lake Cumberland
- ✅ Built in 2020 (low maintenance)
- ✅ Flexible 3-bedroom layout with loft
- ✅ Quiet setting with usable land
- ✅ Minutes to marina and water access
📞 Schedule a Showing
If you’ve been looking for:
- A lake getaway
- An affordable investment
- Or a place to unplug on the weekends
This property is worth a closer look.
Address:
109 Betsy Ln
Monticello, KY 42633
Listed by: HG Hickey III 606-278-1070
Brokerage: No Wake Real Estate
👉 Reach out today to schedule a private showing or get more details.
🔔 Final Thoughts
Opportunities like this don’t come around often — especially this close to Lake Cumberland at this price.
If you’ve been waiting for the right mix of location, price, and potential, this might be it.
