Monticello Homes with Unfinished Basement

Monticello Homes with Unfinished Basement

Welcome to Monticello, Kentucky – a hidden gem nestled in the heart of Wayne County! Known for its picturesque landscapes and warm, welcoming community, Monticello offers a unique blend of small-town charm and modern conveniences. With its rich history, vibrant local culture, and stunning natural beauty, it’s no wonder that families and individuals alike are drawn to this enchanting city.

One of the standout features of homes in Monticello is the availability of properties with unfinished basements. These versatile spaces provide an incredible opportunity for homeowners to customize their living environments to suit their unique needs. Whether you envision a cozy family room, a home gym, or an expansive storage area, an unfinished basement offers a blank canvas to bring your ideas to life.

Living in Monticello means enjoying the best of both worlds: a peaceful, rural lifestyle with easy access to urban amenities. Spend your weekends exploring the nearby Lake Cumberland, where you can indulge in boating, fishing, and hiking, or stroll through the charming downtown area filled with local shops and eateries. The sense of community here is palpable, with friendly neighbors and local events that foster a tight-knit atmosphere.

If you’re in search of a home that offers potential for growth and personalization, Monticello’s real estate market with unfinished basements is an ideal choice. Embrace the opportunity to create your dream space in this beautiful city. Discover Monticello today – where your perfect home awaits!

Newest Monticello Homes with Unfinished Basement

$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
$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
$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
$149,900
2 Beds ⋅ 1 Baths ⋅ 26011345 MLS
Pack your swimsuit and toothbrush and bring the toys! Cute as a button furnished lake cottage right up the hill from Camp Attrahunt boat ramp on Lake Cumberland (right around Harmon Creek). Very cute inside- vaulted ceilings- clean- it will be a great place to spend your summer. Huge 10X30' deck is where you'll spend most of your time though. And there is great potential to add your personal touches. It does have a double lot (.33 acre) so there is plenty of privacy AND a spot to build a larger garage or expand. It does have a boat storage as well that will store a 18' boat. Stove and refrigerator replaced in 2025. Water heater was bought new in 2025. Plus you get a 4-wheeler and lawn mower as part of the package. It would be a great short term rental as well. What are you waiting for?! Let's get you into something before summer starts.

277 Camp Attrahunt Rd, Monticello
$650,000
5 Beds ⋅ 3 Baths ⋅ 26010384 MLS
Welcome to the "Perfect Shade of Green" Home — a stunning custom-built log-style retreat featured in Log Homes Magazine. Completed in 2013 after years of thoughtful planning and craftsmanship, this extraordinary property sits on 3.43 acres in the desirable Hickory Point subdivision on beautiful Lake Cumberland. Positioned on a peninsula with breathtaking lake views, this spacious 5-bedroom, 3-bath home was designed for gathering, entertaining, and making lifelong family memories. From the moment you step through the front door, you'll be captivated by the soaring cathedral ceilings, floor-to-ceiling windows, and warm rustic charm throughout. The main level offers approximately 1,949 finished square feet and features two bedrooms, 2 full baths, and an impressive family room that opens onto a large deck with both open and covered entertaining spaces overlooking the lake. At the heart of the home is a chef's kitchen with a one-of-a-kind handcrafted wraparound bar offering abundant seating — perfect for hosting family and friends. The second floor adds approximately 830 finished square feet with three additional bedrooms and a full bath, providing plenty of space for guests and large families. One of the home's greatest opportunities is the 1,852-square-foot unfinished walkout basement, ready for a future owner to customize to their own style and needs. The basement opens to a spacious concrete patio and backyard area. This home also showcases unique custom wood finishes crafted from timber harvested directly from the property, adding authentic character you simply can't replicate. Built with efficiency and durability in mind, the home includes: 10-inch poured concrete basement walls 3-inch log veneers on both interior and exterior walls 6 inches of Styrofoam insulation between the veneers for excellent energy efficiency Located in an HOA-protected community in Wayne County, this property offers privacy, craftsmanship, and incredible potential. With a little TLC, this could become the ultimate lake home or family retreat. Property is being sold AS-IS. All inspections are welcome.

234 Cedar Point Ln, Monticello
$157,900
3 Beds ⋅ 1 Baths ⋅ 26015160 MLS
Freshly Remodeled & Move-In Ready! Welcome to 370 Green Acres, Monticello, KY 42633—a beautifully updated 3-bedroom, 1-bath home that offers modern comfort in an unbeatable location! Step inside to discover a completely refreshed interior featuring a stylish new kitchen with brand-new appliances, updated flooring, fresh paint, and a beautifully remodeled bathroom. The partial basement provides plenty of room for storage, a workshop, or future possibilities. Location is everything, and this home delivers! You're just minutes from beautiful Lake Cumberland, the Wayne County Hospital, local schools, shopping, restaurants, and everything downtown Monticello has to offer. Whether you're looking for your first home, a place to retire, or a vacation getaway near the lake, this property checks all the boxes. Property Features: • 3 Bedrooms | 1 Bathroom • Freshly remodeled throughout • Brand-new kitchen appliances included • Beautifully updated bathroom • Partial basement for storage or hobbies • Convenient location close to Lake Cumberland, schools, hospital, shopping & dining • Move-in ready! Don't miss your opportunity to own this charming home in one of Monticello's most convenient locations. Schedule your private showing today!

370 Green Acres Dr, Monticello
$159,900
2 Beds ⋅ 2 Baths ⋅ 26013532 MLS
Welcome to 93 Green Acres Drive! Check out this new to the market, charming remodeled vinyl home offering 1,275 sq. ft. of finished living space on the main level. Features include an Eat-in Kitchen with nice Pantry and Breakfast Bar, Formal Dining Room, Spacious Living Room with a corner nook with wire shelving for storage, 2 Large Bedrooms, 2 Full Baths, a roomy walk-in closet off the Primary Bedroom with lots of wire shelving, and a Laundry Area on the main level. There is a full unfinished basement with an exterior entrance. This property offers classic comfort with modern updates for everyday living and special gatherings. Renovations include thoughtful updates throughout, including a full bathroom addition, a bathroom remodel, a walk-in closet addition, cabinetry, updated faucets and lighting fixtures, that offer you peace of mind and a move-in-ready home. There are handicapped accessible features also, including a sturdy metal ramp leading to the front door. There is an attached 1-car carport, a concrete driveway that offers added parking space, a rear patio, and a nice level yard. You'll love living in the heart of Monticello and enjoy having access to the conveniences of town, medical facilities, Wayne County School Campus, dining and shopping. If you love the lake, you're only minutes from our beautiful Lake Cumberland, that's perfect for fishing, boating, and the weekend getaways that you'll look forward to. Call today to schedule your very own private tour!

93 Green Acres Dr, Monticello
$498,000
3 Beds ⋅ 3 Baths ⋅ 26006822 MLS
Fully remodeled custom home or office offering 3 bedrooms, 2.5 baths, an eat-in kitchen, home office, laundry/mudroom, and three spacious living/entertaining areas, all on the main level. The updated kitchen features quartz countertops, stainless appliances, and modern finishes, while the primary suite includes a tiled walk-in shower, double vanities, and a walk-in closet. A 2,600+ sq ft unfinished basement provides endless potential. Situated on 1.25 acres in the heart of Monticello, this property also includes a wraparound blacktop driveway, propane fireplace, 30x30 detached garage, 24x28 attached garage, and a large backyard with room to add another detached garage. Would be a great commercial space for any business.

726 N Main St, Monticello
$439,900
4 Beds ⋅ 3 Baths ⋅ 26015002 MLS
Completely reimagined from the ground up, this stunning 4-bedroom, 3-bathroom home blends modern luxury with quality craftsmanship in every detail. Taken down to the studs and rebuilt with exceptional attention to detail, this property offers the peace of mind of extensive structural and mechanical updates paired with high-end designer finishes throughout. Step inside to an expansive open-concept floor plan highlighted by soaring vaulted ceilings, abundant recessed lighting, and a spectacular custom kitchen featuring over $65,000 in cabinetry and countertops, a massive center island with built-in bar seating, stainless steel appliances, gas range, and plenty of space for gathering and entertaining. The spacious primary suite is a true retreat, complete with a luxurious spa-inspired bath showcasing a custom tiled walk-in shower with rainfall shower head, dual vessel vanities, and an oversized custom walk-in closet. Two additional bedrooms are connected by a convenient Jack-and-Jill bathroom, while the fourth bedroom offers flexibility for guests or multigenerational living. An additional office or flex room provides the perfect space to work from home, playroom, or hobby room. Built with efficiency and comfort in mind, the home features spray foam insulation throughout the walls and ceilings, two 3-ton HVAC systems with all new ductwork, a propane tankless water heater with electric hookup available, all new plumbing, updated electrical system, and all new drywall, flooring, paint, lighting, and fixtures. Outside, you'll enjoy a welcoming covered front porch highlighted by a custom front entry, a spacious covered rear patio overlooking picturesque countryside views, updated landscaping, a detached garage, gazebo, storage shed, and a concrete storm shelter/storage area. Major renovations include: New foundation and reframed interior and exterior walls New roof, gutters, siding, windows, and exterior doors Painted brick exterior New wiring and electrical panel brought to code New plumbing throughout New HVAC systems and ductwork Premium custom kitchen and luxury bathrooms New flooring, paint, lighting, ceiling fans, and finishes throughout This is a rare opportunity to own what feels like a brand-new custom home while enjoying the character of an established setting. Every detail has been thoughtfully completed, making this truly move-in ready and built to impress.

114 Morrows Landing Rd, Monticello
$185,000
3 Beds ⋅ 2 Baths ⋅ 26014817 MLS
This 3 bedroom, 2 bath brick home is located in a beautiful rural setting in Wayne County and offers an affordable opportunity for the right buyer. The home features approximately 1,447 sq ft of living space, a full unfinished basement, attached 1.5 -car garage, covered front porch, rear deck, fireplace, and poured concrete foundation. With its brick exterior, full basement, garage, and peaceful rural location, this home has tons of potential

10113 Kentucky 92, Monticello
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