Monticello Homes for Sale

Monticello Homes for Sale

Welcome to Monticello, Kentucky – a hidden gem nestled in the heart of Wayne County! Known for its picturesque landscapes and friendly community, Monticello offers a unique blend of small-town charm and modern amenities. With its stunning views of Lake Cumberland and the surrounding hills, this city is perfect for nature lovers and outdoor enthusiasts alike. Whether you're looking to fish, hike, or simply enjoy a leisurely afternoon by the water, Monticello provides endless opportunities for adventure and relaxation.

As you explore the homes for sale in Monticello, you'll discover a diverse array of properties that cater to various lifestyles and budgets. From cozy cottages to spacious family homes, there's something for everyone in this inviting community. Many of these homes boast beautiful yards, perfect for entertaining or enjoying the serene Kentucky evenings. The local real estate market is thriving, offering great investment opportunities for first-time buyers and seasoned investors alike.

Living in Monticello means more than just finding a house; it's about embracing a lifestyle. Residents enjoy access to excellent schools, local shops, and delicious dining options. The sense of community here is palpable, with friendly neighbors and regular events that bring everyone together.

If you're ready to make Monticello your home, now is the perfect time to explore the available properties. With its stunning scenery, welcoming atmosphere, and a variety of homes for sale, Monticello, KY, is where your dream home awaits!

Newest Monticello Homes for Sale

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

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

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

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

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

3 Beds ⋅ 2 Baths ⋅ 26020009 MLS

Opportunity Awaits in the Heart of Monticello! Bring your vision and make this spacious home your own! Located within the Monticello city limits, this 3-bedroom, 2 full-bath home offers approximately 1,560 square feet of living space on a generous 0.47-acre lot. Priced with updates in mind, this property is an excellent opportunity for investors, flippers, or buyers looking to customize a home to their own style. Enjoy the convenience of in-town living with plenty of outdoor space for gardening, entertaining, or future improvements. With great potential and an attractive price point, this home is ready for its next chapter!

36 Pine St, Monticello

3 Beds ⋅ 3 Baths ⋅ 26019876 MLS

Enjoy the perfect combination of privacy, comfort, and beautiful lake views in this custom-built 3,300+/- square foot home featuring 3 bedrooms and 3 bathrooms, situated on approximately 5 acres. This well-maintained property offers hardwood floors, two fireplaces, a bright sunroom, a spacious finished garage, and a recently replaced roof. The large back deck provides the perfect space for entertaining or relaxing while overlooking the scenic surroundings. Outside, you'll find two large greenhouses and plenty of room to enjoy the peaceful setting. Conveniently located just minutes from Conley Bottom Marina and several other public boat ramps, this exceptional property offers easy access to boating, fishing, and all the recreational opportunities of Lake Cumberland, making it an ideal full-time residence, vacation home, or investment opportunity. Call today to schedule a private showing!

202 Peaceful Cove Ln, Monticello

4 Beds ⋅ 4 Baths ⋅ 26019708 MLS

Rare opportunity to own a one of a kind property on approximately 2.5 secluded, wooded acres just minutes from two concrete boat ramps on beautiful Lake Cumberland. Whether you're looking for a full time residence, vacation home, or investment property with short term rental potential, this unique estate offers endless possibilities. The custom built primary home features soaring 12 foot ceilings, crown molding, stained glass windows, custom built-ins, abundant cabinetry and countertop space, a walk-in pantry, steam room, laundry chute, an oversized walk-in shower in the primary suite, and a built-in bed with integrated storage. An unfinished upper level with 12-foot ceilings offers excellent potential for additional bedrooms, a game room, home office, or expanded living space. The detached guest house is located above the oversized two-bay garage and is ideal as a mother-in-law suite, private guest quarters, or income-producing Airbnb. It features a full kitchen, spacious living area with king-size sleeping space, a full bath with a walk-in shower, two built-in twin window beds, and a loft for additional sleeping accommodations. The garage level also includes a laundry area and convenient half bath. Outside, you'll enjoy multiple decks, two covered porches, a screened-in porch, beautifully landscaped grounds, peaceful sitting areas, and a fire pit. This would be perfect for entertaining or relaxing after a day on Lake Cumberland. Underground utilities and city water provide modern convenience while preserving the property's private, natural setting. Properties offering this combination of privacy, acreage, proximity to Lake Cumberland, guest accommodations, and short-term rental potential are hard to find. Schedule your private showing today.

1560 Bell Phipps Rd, Monticello

3 Beds ⋅ 2 Baths ⋅ 26019487 MLS

Fantastic investment opportunity in the heart of Monticello, KY! This unique property features two move-in-ready manufactured homes on one property, offering endless possibilities for investors or owner-occupants. The primary home offers 3 bedrooms, 2 bathrooms, and 924± sq. ft., while the second home features 2 bedrooms, 1 bathroom, and 728± sq. ft. Perfect for investors looking to add two easy-to-rent properties to their portfolio, or live in one home while renting the other to help offset your mortgage. Conveniently located in town, you'll be just minutes from shopping, restaurants, schools, and everyday amenities, making these homes highly desirable for future tenants. Both homes have been extensively updated with new metal roofs, new mini-split HVAC systems, fresh interior paint, updated bathrooms, new interior doors, and brand-new front and back porches. The larger home also features new flooring. With the major improvements already completed, these homes are move-in ready and ready to begin producing rental income from day one. Whether you're looking for a turnkey investment, a multi-generational living setup, or a property with excellent rental potential, this is an opportunity you won't want to miss!

16 E High St, Monticello

3 Beds ⋅ 2 Baths ⋅ 26019393 MLS

Escape to the beauty of Lake Cumberland with this charming 3 bedroom, 2 bath home with spacious 2 car basement garage situated on 2.439 acres in the Cumberland Ridge area. Whether you're searching for a full time residence, a relaxing vacation getaway, or a potential Airbnb investment, this property offers endless possibilities and can comfortably accommodate 8-10 guests. Enjoy beautiful views of Lake Cumberland and Conley Bottom Marina from the large bay window in the living room or while relaxing on the front porch. Recent updates include new LVP flooring, new windows in 2022, new gutters in 2025, new garage doors/side doors/front door/storm door in 2023, and a new partial wood privacy fence in 2026. The oversized basement garage offers plenty of space for vehicles, storage, a home gym, or an entertainment area. Located just minutes from Conley Bottom Marina and nearby boat ramps, this home provides easy access to boating, fishing, and all the recreation Lake Cumberland has to offer!

2247 Ky-2393, Monticello

4 Beds ⋅ 2 Baths ⋅ 26019246 MLS

Welcome home to this charming property in the highly desirable Damron Addition neighborhood of Monticello! Built in 1967 by the respected Parmley Brothers, this solid, well-constructed home has stood the test of time! Inside, you'll find beautiful real hardwood floors, custom built in shelving, and two cozy fireplaces that add warmth and character. With 4 bedrooms and 2 full bathrooms, there's plenty of space for a growing family, guests or a home office. If you've been searching for a home with timeless quality, generous living space, and an unbeatable location, this is one you won't want to miss. The home also includes 2 extra lots for your privacy!

182 Harrison Ave, Monticello

3 Beds ⋅ 2 Baths ⋅ 26018904 MLS

Turn-key Lake Cumberland retreat! This fully furnished 3-bedroom, 2-bathroom 16' x 76' manufactured home is move-in ready and perfect for enjoying lake life from day one. Nestled in a desirable lake community, you'll have a public boat ramp less than half a mile away, making it easy to spend your days boating, fishing, and exploring beautiful Lake Cumberland. A 10' x 12' storage building, only 5 years old, provides ample space for your boat, fishing gear, and all your lake toys. Conveniently located just minutes from Conley Bottom Marina, you'll enjoy quick access to the marina, waterfront dining, and endless outdoor recreation. Whether you're looking for a weekend getaway, vacation home, short-term rental investment, or full-time residence, this affordable, turn-key property offers everything you need to start making memories at the lake.

121 Shinbone Dr, Monticello

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