Monticello Homes under $600,000

Monticello Homes under $600,000

Welcome to Monticello, Kentucky – a hidden gem nestled in the heart of Wayne County! Known for its warm community spirit and picturesque landscapes, Monticello offers a perfect blend of small-town charm and modern conveniences. With its serene lakes, lush forests, and rolling hills, this delightful city is an outdoor enthusiast’s paradise, making it ideal for families, retirees, and anyone looking to escape the hustle and bustle of city life.

The real estate market in Monticello is particularly appealing, especially for those seeking homes under $600,000. Whether you’re in the market for a cozy starter home, a spacious family residence, or a charming cottage by the lake, Monticello has a diverse range of properties to suit your needs. Many homes boast stunning views, ample outdoor space, and easy access to local parks and recreational activities, allowing you to fully embrace the natural beauty that surrounds you.

In addition to its scenic allure, Monticello is home to a vibrant community with a rich history. Residents enjoy a variety of local events, festivals, and farmers’ markets that help foster a strong sense of belonging. With excellent schools, friendly neighbors, and a low cost of living, Monticello is not just a place to live; it’s a place to thrive.

Explore the wonderful opportunities that await you in Monticello, KY, and discover your dream home today! With homes available under $600,000, your ideal lifestyle is just a step away in this enchanting city.

Newest Monticello Homes under $600,000

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
300 Mallard Dr, Monticello
$549,000
4 Beds ⋅ 5 Baths ⋅ 26026721 MLS
Country living, space, and convenience come together with this beautiful farmhouse situated on approximately 18 unrestricted acres. Offering 4 bedrooms, 5 bathrooms, and roughly 4,800 total square feet, the home features a main floor primary bedroom and bathroom, custom cabinetry, beautiful woodwork, and detailed trim throughout. The large unfinished basement is ready to customize and is already plumbed for a kitchenette, creating excellent potential for additional living space or a mother in law suite. Relax on the spacious front and back porches while enjoying peaceful farm views. A large storage barn provides plenty of room for equipment, tools, and recreational gear. A tractor, side by side, and attachments are also available separately. Located near multiple boat ramps and approximately 10 minutes from downtown Monticello or Conley Bottom Resort and Marina.

300 Mallard Dr, Monticello
6835 Hwy 167, Monticello
$565,000
4 Beds ⋅ 3 Baths ⋅ 26026681 MLS
Country living with room to spread out! This renovated farmhouse-style home is a perfect Kentucky Homesteading opportunity. This property is 3.2 acres with a custom updated home, 26x36 garage, two animal buildings, lawn shed, and more. It is a short drive from the South Fork Recreation Area's off-road trails and outdoor activities. Overall there is not a part of this home that has not been touched as part of a complete remodel including a new HVAC system.  Inside, the main level of the home offers a spacious master suite with closet, kitchen with plenty of room, open living room with an electric fireplace, large dining area, designated laundry room, extended mud room, a second bedroom and a second full bathroom. This level of the home features new Appalachian hardwood flooring and some reclaimed barn wood to create custom trimwork. The upstairs brings even more finished square footage with a large family room space, two spacious bedrooms with closets, a storage room and the third full bathroom. This area of the home has new luxury vinyl flooring. The basement of this home has seen major work and is super clean. It is over 1600 square feet of additional space for storage and includes a utility sink, another shower, and a wood burning stove. Outside, you will enjoy the covered front porch, covered side porch, backyard patio with a fire pit. A 26-by-36-foot garage provides space for vehicles and equipment. Additionally, the attached carport and three sheds offer even more storage and flexibility. Two of the outside buildings are currently being used as a chicken coop and a turkey building. Wire fencing surrounds the backyard and portions of the property. The outside space is perfect for gardening, landscaping or for animals, including horses. Whether you're looking for a Kentucky homesteading opportunity, a country home, space for your hobbies, or a place to enjoy the outdoors, this property offers plenty to explore. A video tour of this property is available to view.

6835 Hwy 167, 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
46 Pendleton Hollow Rd, Monticello
$439,900
3 Beds ⋅ 2 Baths ⋅ 26025435 MLS
Discover the space, privacy, and possibilities of this 18-acre homestead in Monticello, Kentucky. The property features cleared, level acreage with fencing already in place, making it well suited for livestock, horses, gardening, or a variety of agricultural uses. Enjoy peaceful rural Kentucky views, a private pond, a large detached barn, and an additional storage shed. The one-level home offers comfortable and convenient living with a primary suite, two additional bedrooms, a second full bathroom, and an attached garage. The current owners have completed several improvements, including new flooring, a new HVAC system, and other updates throughout the home. Whether you dream of starting a small farm, creating a self-sufficient homestead, or simply enjoying wide-open space in a quiet country setting, this unique Monticello property offers the acreage and improvements needed to bring that vision to life.

46 Pendleton Hollow Rd, 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
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