Monticello Homes under $400,000

Monticello Homes under $400,000

Welcome to Monticello, Kentucky – a hidden gem nestled in the heart of Wayne County, where small-town charm meets the beauty of nature. Known for its friendly community and picturesque landscapes, Monticello is the perfect place for families, retirees, and everyone in between to call home.

Monticello offers a delightful blend of rural tranquility and modern conveniences. With access to stunning lakes, including the breathtaking Lake Cumberland, residents enjoy a plethora of outdoor activities such as fishing, boating, and hiking. The city is rich in history, with quaint shops and local eateries that reflect the warm spirit of this close-knit community.

For those seeking to settle down in Monticello, you'll be pleased to know that the real estate market offers an array of beautiful homes under $400,000. Whether you’re looking for a cozy starter home, a spacious family residence, or a charming cottage, Monticello has something to meet your needs. These homes often come with generous yards, inviting porches, and the potential for personalization, making them perfect for creating lasting memories.

With a cost of living significantly lower than the national average, Monticello not only provides affordable housing options but also a high quality of life. The area's excellent schools and community resources ensure that families thrive, while retirees find peace and leisure in the serene surroundings.

Come explore Monticello, Kentucky, where your dream home awaits amidst a backdrop of natural beauty and a welcoming community. Discover the lifestyle you’ve always wanted, all while staying within your budget!

Newest Monticello Homes under $400,000

6777 E Hwy 92, Monticello
$279,000
3 Beds ⋅ 1 Baths ⋅ 26027200 MLS
Beautiful 46.5+/- acre farm conveniently located just minutes from Monticello, offering the perfect combination of country living and accessibility. The property features a 3-bedroom, 1-bath brick home with just over 2,500 square feet of living space, an unfinished basement, and an attached carport. The farm includes a nice barn and offers a desirable mix of open pasture and wooded acreage, providing plenty of opportunities for livestock, recreation, hunting, farming, or simply enjoying the peace and privacy of a country setting. With ample acreage, a spacious home, and a convenient location, this property offers a great opportunity to enjoy rural living while remaining close to town. Call today to schedule a private showing!

6777 E Hwy 92, Monticello
65 Lockett St, Monticello
$199,000
3 Beds ⋅ 2 Baths ⋅ 26027143 MLS
Welcome to 65 Lockett Street in Monticello. You will find a spacious home that has been well maintained. 3 nice size bedrooms, 1.5 baths, living room, family room, kitchen, dining, bonus room, and utility room. Property also offers a covered car port, storage building, back patio, front porch area and a nice lot that is close to medical, shopping, schools, etc. This must see home is waiting on its next owner, so call today for your tour of this home !!

65 Lockett St, Monticello
75 Hickory Hill Dr, Monticello
$349,900
4 Beds ⋅ 4 Baths ⋅ 26027010 MLS
Beautifully updated home located near historic Kendrick Avenue in one of Monticello's most desirable neighborhoods. Offering 4 bedrooms, 3.5 bathrooms, and a thoughtful blend of modern updates and timeless charm, this 3146 sq ft home provides comfortable living for families of all sizes. Step inside to an inviting great room that seamlessly combines the family room, dining area, and kitchen into the heart of the home. The stately kitchen is a chef's dream, featuring abundant cabinetry and countertop space, a convenient eat-at bar, and a stone fireplace ready for propane conversion. Just beyond, the spacious back deck with pergola creates the perfect setting for outdoor dining, entertaining, and relaxing. The adjoining family room features a second dual-sided fireplace, which can be enjoyed from both the family room and the adjacent flex space. This versatile area is ideal for a home office, den, library, or reading room. The main level primary suite offers a spacious en suite bath featuring dual vanities, a walk-in shower, and a large tub. Upstairs, you'll find three additional bedrooms, including one with a private en suite bath, along with a full hallway bath. The lower level adds valuable functionality with garage access through a mudroom entry, a laundry room, and a bonus room with a half bath, providing excellent space for hobbies, recreation, or additional living needs. Situated on a beautiful corner lot, the property offers gently rolling lawn, trees, a fenced area adjacent to the back deck, and a blacktop circular driveway that enhances both curb appeal and convenience. Recent improvements include new siding and roof in 2026, a new water heater in 2022, and an updated heat pump. The chimneys have been capped (new metal roof), and both fireplaces will require gas log conversion to become operational. Just minutes from both Lake Cumberland and Dale Hollow Lake, providing opportunities for fishing, boating, water sports, and year-round recreation.

75 Hickory Hill Dr, Monticello
248 W Mountain Trl, Monticello
$329,000
3 Beds ⋅ 3 Baths ⋅ 26026934 MLS
New Construction Home!! Looking for a brand new home that is secluded and sitting on 5.75 acres, then look no further!! This home is built in a Gated Community in the beautiful Sandstone Subdivision with a lake view from driveway and a seasonal lake view from the home. This new home offers 3 bedrooms and 3 full bathrooms, laundry room, large kitchen and living room with cathedral ceilings. Stainless steel appliances, granite counter tops, luxury vinyl flooring through out this home. A must see so call today to schedule your tour of this new home.

248 W Mountain Trl, Monticello
338 Harper Dr, Monticello
$229,000
3 Beds ⋅ 2 Baths ⋅ 26025701 MLS
Nestled at the top of the hill in town, 338 Harper Drive is being offered under appraisal value. The home offers privacy, panoramic views, and exceptional flexibility. This move-in ready home features 3 spacious bedrooms and 2 full bathrooms, complemented by an open kitchen complete with elegant granite countertops and modern stainless steel appliances. Situated across 3 expansive lots, the property provides abundant outdoor space and parking for boats, RVs, or recreational vehicles. A standout feature is the 24' x 25' detached garage, offering ideal space for a workshop, vehicle storage, or hobby studio. Conveniently located near town amenities while maintaining a private setting, this home is a must-see property.

338 Harper Dr, Monticello
172 Boston Hill Rd Rd, Monticello
$159,000
3 Beds ⋅ 2 Baths ⋅ 26025517 MLS
Welcome to this immaculate 3-bedroom, 2-bathroom manufactured home nestled in the desirable Steubenville area, just minutes from downtown Monticello. Key Highlights & Upgrades: Structural Stability: Fully retrofitted onto a solid, permanent block foundation. Exterior Improvements: Brand-new siding and gutters offer clean curb appeal and low-maintenance upkeep. Outdoor Living: Enjoy morning coffee or evening relaxation on the newly added front and back decks, surrounded by fresh, thoughtful landscaping. Layout: Generous 3-bedroom, 2-bath split floor plan featuring open living spaces, ideal for both everyday comfort and entertaining. Prime Location: Peaceful country feel with the convenience of being just minutes from local shopping, dining, and main routes in Monticello. Perfect as a primary residence, starter home, or investment opportunity. Schedule your tour today!

172 Boston Hill Rd Rd, Monticello
1185 Furnace Mountain Rd Rd, Monticello
$155,000
3 Beds ⋅ 2 Baths ⋅ 26025482 MLS
Escape to your own private 4.8-acre wooded retreat, just minutes from downtown Monticello. Bordering scenic Beaver Creek, this beautifully maintained 3-bedroom, 2-bathroom residence offers the perfect blend of peaceful country living and everyday convenience. Property Highlights & Exterior: 4.8 Wooded Acres: Unwind in ultimate privacy with direct Beaver Creek border access right in your backyard. Ultimate Detached Garage/Shop: A massive 30x30 fully insulated garage featuring a solid concrete floor, full electric, dedicated heat, and 2 automatic overhead doors—ideal for hobbyists, mechanics, or extra storage. Outdoor Living: Take in the peaceful nature views from the 10x20 screened-in porch, perfect for morning coffee or relaxing evenings. Recent Upgrades & Key Features: Upgraded, long-lasting metal roof High-efficiency heat pump system Updated gutters featuring low-maintenance leaf guards Washer and dryer included Move-in ready with high-value improvements already done for you. Schedule your private tour today to experience this rare creekside sanctuary!

1185 Furnace Mountain Rd Rd, Monticello
111 Stonehedge Ct, Monticello
$369,000
3 Beds ⋅ 3 Baths ⋅ 26025479 MLS
Welcome to this beautifully maintained 3-bedroom, 3-bath brick ranch in the highly desirable Stonehedge Subdivision. Situated on 1.4± acres, this property offers the perfect blend of space, comfort, and convenience. Inside, you'll find beautiful hardwood floors, a spacious bonus room perfect for a home office, playroom, or additional living area, and a bright sunroom that provides year round enjoyment of the peaceful surroundings. The home's warm, functional layout makes everyday living easy and entertaining effortless. Outside, the property features a circle driveway for convenient access and ample parking, along with wide-open yard space ideal for outdoor activities, gardening, or simply enjoying the quiet setting. Located just minutes from Conley Bottom Marina and multiple boat ramps, this home is a dream for lake lovers and outdoor enthusiasts. With its combination of land, layout, and location, this Stonehedge property is ready to welcome you home. Call today to schedule your private showing.

111 Stonehedge Ct, Monticello
267 Mystic View Rd, Monticello
$334,900
2 Beds ⋅ 1 Baths ⋅ 26025426 MLS
Welcome to 267 Mystic View Rd, a well-maintained, fully furnished Lake Cumberland retreat located on 2 lots in the coveted Mystic View subdivision! This charming 2-bedroom, 1-bath home offers year-round lake views, numerous recent updates, and exceptional space for storing boats, vehicles, and all your lake toys. The home has been thoughtfully updated with a remodeled kitchen and bathroom, new flooring and fresh paint in 2025, new gutters with leaf guards and a new septic system in 2024, new windows in 2023, plus an updated electrical panel. An inviting four-season room takes full advantage of the beautiful year-round lake views and provides additional living and entertaining space. One of the property's standout features is its impressive FOUR garage spaces (24 x 30 with 12ft, 15.5 ft doors both 9 ft high), 2 RV outlets for additional guests, providing plenty of room for boats, vehicles, lake toys, workshop space, or additional storage. With multiple expandable options, the property also offers exciting possibilities for buyers who want to create additional living or recreational space. Best of all, the neighborhood boat ramp is less than half a mile away, making it easy to launch the boat and enjoy everything Lake Cumberland has to offer. Offered fully furnished, this property is ready to enjoy as a full-time residence, weekend lake getaway, or vacation home. Come experience the lake lifestyle at Mystic View—where the water is close, the views are beautiful, and there's room for all the toys!

267 Mystic View Rd, Monticello
244 Walnut St, Monticello
$174,900
3 Beds ⋅ 2 Baths ⋅ 26025005 MLS
Downtown Monticello, a large yard, and new flooring already in. 244 Walnut Street sits close to everything Monticello has to offer. It is a 3 bedroom, 2 bath ranch built in 1960 on 0.55 acres, with 1,492 square feet on one level. Luxury vinyl and wood flooring run throughout, and the primary bedroom includes its own walk in closet and large primary bath. French doors separate the living room and kitchen areas. The kitchen has been updated with rustic countertops. Heat runs on baseboard, with oil heat installed but untested. A covered front porch runs the width of the house, and two outbuildings sit on the large yard. Tasteful updates ready for it's new owner!

244 Walnut St, Monticello
1009 Ramseys Point Rd, Monticello
$350,000
4 Beds ⋅ 3 Baths ⋅ 26024531 MLS
LAKE CUMBERLAND GETAWAY READY TO ENJOY! Welcome to 1009 Ramseys Point Road, a fantastic 4-bedroom, 2.5-bath home in the desirable Ramseys Point area of Monticello. Built in 2015 and offering approximately 1,860 square feet, this property delivers the perfect combination of comfortable living, incredible garage space, outdoor entertaining, and convenient access to Lake Cumberland. One of the biggest advantages? The seller is leaving much of the furnishings for the convenience of the next owner! However, personal belongings and select items will be removed prior to closing. Whether you're looking for a full-time residence, weekend retreat, vacation home, or investment property, this is a true turnkey opportunity. The oversized HEATED AND COOLED GARAGE is an absolute standout feature. With approximately 34 feet of depth and tall overhead doors, there is plenty of room for boats, vehicles, ATVs, motorcycles, lake toys, and all the gear that comes with enjoying Lake Cumberland. Because it is heated and cooled, the space can be comfortably used year-round as a workshop, hobby area, recreation space, or simply incredible storage. Step outside and enjoy the spacious rear deck, patio, and firepit area — the perfect setting for grilling, entertaining family and friends, relaxing after a day on the water, or enjoying Kentucky evenings under the stars. And then there's the lake! Conveniently located just minutes from Lake Cumberland recreation and a nearby boat ramp, you'll have easy access to some of the best boating, fishing, swimming, and outdoor recreation in the region. This is the kind of property Lake Cumberland buyers are looking for — FOUR BEDROOMS, 2.5 BATHS, AN OVERSIZED HEATED & COOLED GARAGE, GREAT OUTDOOR LIVING, AND CONVENIENT LAKE ACCESS. Don't miss your opportunity to own a move-in-ready Lake Cumberland property where you can start making memories from day one!

1009 Ramseys Point Rd, Monticello
16202 16202 State Highway 200, Monticello
$140,000
4 Beds ⋅ 1 Baths ⋅ 26024309 MLS
Sweet rural setting on 1.4 acres m/l. This charming 1960s home offers 4 beds and 1 bath and features several updates including a new roof, electric fireplace, new porch railing, new water heater, and the seller will be installing a mini-split system for heating and cooling. Enjoy the outdoors while sitting on the covered front porch or the front patio. The property offers space for a future garage, plenty of parking, a storage building with cellar, and a nice yard. The property is located 30 minutes from Jamestown TN, Albany or Monticello KY and a short drive to both Dale Hollow Lake and Lake Cumberland, as well as the Alvin C York State Historic Park.

16202 16202 State Highway 200, Monticello
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