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LAKEFRONT LIVING AT ITS FINEST! Whether you're searching for the ultimate retreat or a full-time residence, this stunning 3-bedroom, 3.5-bath custom waterfront home offers it all. Enjoy breathtaking, year-round lake views and approximately 400 feet of shoreline on beautiful Lake Cumberland—a true paradise for boating, fishing, and outdoor living. Set on 3± acres, this property presents incredible potential for expansion, investment, or even VRBO opportunities. Designed and built by a builder for his own use, every detail reflects quality craftsmanship and thoughtful design. The main level features an open-concept great room with soaring ceilings, a dramatic stone gas-log fireplace, and expansive windows perfectly positioned to capture serene lake and wooded views. The spacious dining area flows seamlessly into the living space, while the private primary suite offers a spa-like ensuite bath complete with a large ceramic-tiled shower, jetted tub, and walk-in closet. Also on the main level: a dedicated home office with custom wood cabinetry and a convenient laundry room. Rich hickory hardwood flooring runs throughout. The walk-out lower level is equally impressive, featuring a large family room with a second stone gas-log fireplace and custom built-in media wall. Two generously sized bedrooms each include private ensuite baths and oversized walk-in closets. Durable LVP flooring extends throughout the lower level, which opens to a covered concrete patio—perfect for relaxing or entertaining. Step outside to enjoy the expansive wraparound deck with two covered, vaulted wood-accented areas—ideal for taking in the peaceful surroundings and watching eagles soar overhead. The low-maintenance exterior features durable Hardie board siding. Additional highlights include an oversized concrete driveway, attached 2-car garage, and a separate 22x30 boathouse/workshop with electric. A short walk or ATV ride leads you directly to the water, and you're just minutes from White Oak Boat Ramp and Lees Ford Marina. Abundant wildlife, unmatched views, and endless possibilities—this waterfront gem is a rare find.

Highlights

  • Residential
  • Single Family Residence
  • Built in 2009
  • 3.0 Acre Lot
  • Waterfront
  • 4 Car Garage
  • 191 days on Market

  • Bedrooms
    3
  • Bathrooms
    3 full · 1 half
  • Year Built
    2009
  • Construction Materials
    HardiPlank Type
  • Foundation
    Concrete Perimeter
  • Garage Spaces
    4.0
  • Living Area
    2992.0
  • Appliances
    Dishwasher, Microwave, Refrigerator, Range
  • Flooring
    Laminate, Tile, Wood
  • Cooling
    Heat Pump
  • Heating
    Forced Air, Heat Pump

  • Acres
    3.0
  • Lot Features
    Waterfront
  • Water Front Features
    Waterfront
  • Water Front
    Yes
  • View
    Lake
  • Water
    Public

  • Area
    906 - Northwest Pulaski County
  • County
    Pulaski
  • City
    Nancy
  • Neighborhood
    Rural
  • Zip Code
    42544
  • High School
    Southwestern
  • Middle School
    Southern
  • Elementary School
    Nancy

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Frequently Asked Questions

How do I schedule a tour of 450 White Oak Dr?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 450 White Oak Dr.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 450 White Oak Dr?

Click Ask a Question to talk with our team. You already know it is a 3 bed, 3 bath, listed for $579,900. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Nancy, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 450 White Oak Dr?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 450 White Oak Dr at around $3,300. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 450 White Oak Dr?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Pulaski County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 450 White Oak Dr?

In most cases, yes. Whether 450 White Oak Dr is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Nancy's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 450 White Oak Dr?

We can handle that for you. Our preferred local agent specializes in residentials in Nancy and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $579,900 with 2,992 sqft of space—that comes out to approximately $194 per square foot.

How long has this property been on the market?

450 White Oak Dr was listed on May 06, 2026, which means it's been on the market for 191 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 2009, making it approximately 17 years old.

What is the lot size of this property?

450 White Oak Dr sits on a 3.0-acre lot, which is 130,680 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: Nancy
  • Middle: Southern
  • High: Southwestern

Want to see how these schools compare? Check out our Pulaski County School Guide to see ratings, reviews, and more for the schools in the area.

Is 450 White Oak Dr still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) Program of Bluegrass REALTORS®. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Real estate listings held by IDX brokerage firms other than Rector Hayden Realtors, are marked with the IDX logo or the IDX thumbnail logo and detailed information about them includes the name of the listing IDX brokers. Information deemed reliable but not guaranteed. Copyright © 2026 Bluegrass REALTORS®. All Rights Reserved.

Last Updated: November 13, 2026 at 05:21AM | Source: ImagineMLS (Bluegrass REALTORS) | MLS#: 26010019