Monticello Homes for Sale

Monticello Homes for Sale

Welcome to Monticello, a charming gem nestled in the heart of Wayne County, Kentucky. Known for its picturesque landscapes and tight-knit community, Monticello offers a unique blend of small-town charm and modern conveniences. With its rich history and vibrant local culture, residents enjoy a lifestyle that is both peaceful and engaging. The area is surrounded by stunning natural beauty, including the expansive Lake Cumberland, perfect for fishing, boating, or simply soaking in the sun on a warm summer day.

Monticello is not just a place to live; it's a community that embraces family values and outdoor adventures. The local parks and recreational facilities provide ample opportunities for hiking, picnicking, and exploring the great outdoors, making it an ideal location for families and nature enthusiasts alike. The town boasts a variety of shops, restaurants, and services, ensuring that everything you need is just a short drive away.

If you're considering making Monticello your home, you’ll be pleased to discover a variety of homes for sale that cater to diverse tastes and budgets. From cozy single-family homes to spacious properties with sprawling yards, there’s something for everyone. Many homes feature charming architectural details and modern amenities, allowing you to enjoy comfort and style in a welcoming environment.

Whether you’re looking to settle down or invest in a vacation property, Monticello has the perfect home waiting for you. Explore the real estate opportunities in this delightful town and become part of a community that feels like family. Your dream home in Monticello, KY, is just a click away!

Newest Monticello Homes for Sale

$324,900
3 Beds ⋅ 2 Baths ⋅ 26022510 MLS
New construction and move-in ready! Welcome to 1003 Hickory Point Drive in Monticello, Kentucky. Built in 2026 and situated on approximately 2.5 acres in the Hickory Point HOA community, this 3-bedroom, 2-bath home offers approximately 1,408 sq. ft. of thoughtfully designed living space with quality finishes throughout. The home features steel D-log siding, a metal roof, covered porch, stone accents, and a warm cabin-inspired design. Inside, you'll find wood trim throughout, vaulted wood ceilings, exposed beams, and an open-concept living, kitchen, and dining area filled with natural light. The kitchen offers natural wood cabinetry, open shelving, ample counter space, and stainless steel appliances. The primary bedroom includes generous closet space and a private bath, while two additional bedrooms and a second full bath provide plenty of flexibility. Additional highlights include concrete and Trex decking, an approximately 60-inch encapsulated crawl space, and a private wooded setting. With its brand-new construction, distinctive finishes, acreage, and move-in-ready condition, this property offers a rare combination of comfort, character, and privacy.

1003 Hickory Point Dr, Monticello
$145,000
3 Beds ⋅ 1 Baths ⋅ 26022479 MLS
Charming and affordable brick ranch is located at 88 Adair Street, in the convenient Green Acres Subdivision, near the Wayne County School Campus, shopping, and medical facilities. This home is all on one level with features that include: 3 Bedrooms, 1 Full Bath, spacious Living Room, Eat-in Kitchen with Pantry, Laundry Area, and an attached 1-car carport with utility room for added storage. The roof was replaced in July 2026, and the water heater is only a few years old. The property is situated on an extra lot that totals a 0.34-acre tract, has a large back and side yard, a paved driveway, and a storage building. Schedule your own private showing today!

88 Adair St, Monticello
$55,000
26022210 MLS
Investors special! This property is an excellent opportunity to add to your rental portfolio or take on as your next investment project. The home features a brand-new roof installed in 2026, providing a major improvement already completed. The current owners have removed all the old fixtures and cleared the way for a fresh start! Bring your vision and tools to transform this 2 bedroom, 1 full-bath home into a great rental property or starter home.

403 Ridgewood Ave, Monticello
$320,000
3 Beds ⋅ 2 Baths ⋅ 26021660 MLS
Wonderful Lake Cumberland 3.6 acre mini-farm only 3 miles from Conley Bottom Marina with several area ramps for easy lake access. Whether you use it to raise a horse or livestock or develop it out, it'd be a great property. You could ride your horse to the lake even. How cool would that be?! Spacious 3-bedroom, 2-bathroom single-level floor plan. Low maintenance brick so you can enjoy yourself and not work on things all the time. There is a basement garage for mower storage and a workshop. But one of the highlights of the property is the 30 X 40 garage with 9 & 10 ft. doors. There is another old barn on the property if you did need a place for your horses/livestock. As to development potential this would be a great spot for RV or STR short term rental cabins due to the proximity to Lake Cumberland. There is 300' feet of road frontage on Hwy 2393 for easy access. Make this dream of a property yours.

100 Buffalo Trce, Monticello
$79,990
3 Beds ⋅ 1 Baths ⋅ 26021338 MLS
This is a rural 3-bedroom, 1-bathroom property featuring two covered porches, a storage shed, and a 30-amp RV hookup. It offers a quiet, country setting designed for a slow and relaxing pace of life.Property FeaturesLayout: 3 bedrooms and 1 bathroom.Outdoor Space: Two covered porches for relaxing outside.Extras: A storage shed for your gear or tools.RV Hookup: A 30-amp electrical hookup for an RV or camper. Setting: A quiet and calm country location.

517 Kelsey Rd, Monticello
$269,900
2 Beds ⋅ 2 Baths ⋅ 26021252 MLS
Welcome to Lake Cumberland! This immaculate, move-in ready home is located only 3.4 miles to the nearest public boat ramp (Tom Carroll Landing) and comes mostly furnished! Built in 2019, this property offers peace of mind, convenience and ample space for those lake toys! The open floor plan offers 2 bedrooms, 2 full bathrooms, a modern, eat-in kitchen with island and a generous sized loft perfect for guests! When you step outside you are met by nature and beauty all around. Imagine those peaceful mornings sipping coffee on the deck! The 2-bay garage provides storage for your boat and other lake toys, along with a concrete covered patio perfect for grilling or lounging when you're not on the lake. Most notably, there is community access to Lake Cumberland at the end of Old Sawmill Rd! Whether you're looking for a primary residence or vacation getaway, this property is ready to bring your vision to life. The home has successful short-term rental income through Airbnb, making it a fantastic investment to add to your portfolio. Amenities are close by in Monticello and their thriving downtown. Don't miss out on this opportunity to own your own Lake Cumberland escape!

81 Eagles Bluff Rd, Monticello
$125,000
4 Beds ⋅ 2 Baths ⋅ 26020023 MLS
Opportunity awaits with this bank-owned property in the heart of Monticello. Being sold As-Is, this home is in distressed condition and will likely not qualify for traditional residential financing. Cash or renovation financing is recommended. Offering over 3,200 finished square feet with 4 bedrooms and 2 full bathrooms, this property provides an excellent opportunity for investors, renovators, or buyers looking to bring new life to a home with tremendous potential. Conveniently located just minutes from downtown Monticello and beautiful Lake Cumberland, the property offers easy access to local shopping, dining, schools, and outdoor recreation. With the right vision and improvements, this property presents an excellent investment or renovation opportunity.

212 Michigan Ave, Monticello
$130,000
4 Beds ⋅ 2 Baths ⋅ 26020157 MLS
Peaceful Country Living on 3+ Acres with 4 Bedrooms, Detached Garage & Bonus Building! Escape to the peace and quiet of the countryside with this spacious manufactured home situated on 3+ beautiful acres in a quiet, peaceful neighborhood. Offering 4 bedrooms and 1.5 baths, this home features living room and bedroom additions that provide extra space for family. The eat-in kitchen offers plenty of room for family meals, while the cozy wood-burning fireplace creates the perfect gathering spot on cool Kentucky evenings. Central heat and air provide year-round comfort, and all kitchen appliances convey, making your move even easier. Step outside to enjoy the new front deck and a charming tree swing—the perfect place to sip your morning coffee, unwind after a long day, or simply enjoy the peaceful surroundings. The back deck provides additional space for grilling, entertaining, or taking in the beautiful country setting. Need room for vehicles, projects, or storage? The large detached two-car garage offers plenty of workspace, while the insulated storage building provides endless possibilities as a workshop, hobby room, office, or additional flex space. This property offers the perfect blend of privacy, outdoor space, and everyday convenience. Property Highlights: 3+ acres in a peaceful neighborhood 4 bedrooms, 1.5 bathrooms Single-wide manufactured home with living room and bedroom additions Cozy wood-burning fireplace Spacious eat-in kitchen Central heat & air Kitchen appliances convey Covered front porch Back deck for relaxing or entertaining Large detached two-car garage Insulated storage building with multiple potential uses Plenty of room to enjoy country living while remaining close to town.

186 Hancock Subdivision, Monticello
$259,000
3 Beds ⋅ 2 Baths ⋅ 26020285 MLS
Completely renovated and move-in ready! This beautifully updated 3-bedroom, 2-bath home offers approximately 2,100± square feet of living space on an estimated 0.93± acre lot. A new boundary survey is currently underway, with property lines already marked. Final acreage will be determined upon completion of the recorded survey. Step inside to a bright, open-concept floor plan featuring luxury flooring, a spacious living area, a custom floor-to-ceiling stone accent wall with an electric fireplace, butcher block countertops, and a beautifully updated kitchen designed for both everyday living and entertaining. The home offers two updated full bathrooms, including one with a custom walk-in tile shower and another featuring a jetted soaking tub. Extensive improvements include new windows (2025), HVAC (2023), roof (2015), French doors (2026), flooring (2025), custom walk-in shower (2025), jetted tub (2026), underfloor insulation (2025), fencing (2025), covered front porch addition (2026), plus new sinks, light fixtures, microwave, and numerous additional updates throughout. Outside, enjoy the spacious yard complete with mature shade trees, a fire pit, basketball court, and plenty of room for entertaining, children, or pets. The oversized den was formerly a garage and offers the potential to be converted back if desired. Above the den, the roof has already been framed, providing an excellent opportunity for future office or bonus space. Conveniently located just minutes from Monticello, this property combines modern updates, flexible living space, and a generous lot, making it an exceptional place to call home. Schedule your private showing today!

230 Carter Gregory Rd, Monticello
$139,000
3 Beds ⋅ 2 Baths ⋅ 26020256 MLS
Great investment opportunity with excellent cash flow! This income-producing property features three mobile homes, all currently occupied by tenants. Home 1 (302 Lincoln Ave.) offers 2 bedrooms and 1 bathroom, Home 2 (284 Lincoln Ave.) features 3 bedrooms and 2 bathrooms, and Home 3 (212 Bertram St.) includes 3 bedrooms and 2 bathrooms. Each home is equipped with central heating and air conditioning and has been remodeled within the past 18 months, providing updated, low-maintenance rental units. All three homes are connected to city sewer, and the property offers additional space with the potential to add up to two more mobile homes, creating even greater income potential. The three homes currently generate a combined gross monthly rental income of $1,750. Whether you're looking to expand your investment portfolio or purchase your first income-producing property, this is an opportunity you won't want to miss. Call today for additional information or to schedule your private showing!

284 Lincoln Ave, Monticello
$259,000
3 Beds ⋅ 2 Baths ⋅ 26020139 MLS
Great investment opportunity on Lake Cumberland! Property consists of 3.91+/- of unrestricted acres located off of Lakepoint View Rd in Monticello. With no restrictions this property is prime for investors or someone looking to build their dream home, Property currently has two cabins, Cabin one is 12 x 28 with a 10 x 16 storage building. Cabin one is completely finished and comes ready to move in with appliances and HVAC. Cabin two is a 16x32 custom built cabin with metal siding, front porch, and a loft. This cabin will need to be finished, currently framed and ready for plumbing, electric, and finishings. Both Cabins have their own water meter already in place. Property is located minutes to Ramseys Point and Camp Attrahunt boat ramps in the eadsville community of Wayne County. Both units are brand new and have never been occupied, perfect for a weekend retreat or short-term rental, call today for additional information or to schedule a private showing!

439 Lakepoint View Rd, Monticello
$179,000
3 Beds ⋅ 2 Baths ⋅ 26020137 MLS
Discover this well-kept 3-bedroom, 2-bath home offering the perfect blend of comfort and practicality. Inside, you'll find a bright, welcoming interior with an easy-flowing layout designed for everyday living. The kitchen provides plenty of workspace and storage, making meal preparation and entertaining a breeze. Step outside to a spacious yard that's ideal for morning coffee, evening gatherings, or simply enjoying the outdoors. The property also features a carport with electric and a storage outbuilding that's wired with 50-amp service, providing added convenience for RVs, hobbies, or workshop use. Recent updates include a new roof installed in 2026, a new HVAC system in 2021, and a new water heater in 2023, giving buyers added peace of mind. Conveniently situated just minutes from shopping, restaurants, schools, and other local amenities, this home also offers quick access to Lake Cumberland for boating, fishing, and year-round recreation. Whether you're searching for a full-time residence, a vacation retreat, or a great investment property, this move-in-ready home is one you won't want to miss.

25 Wilson Ct, Monticello
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