Monticello Homes with Concrete Basement

Monticello Homes with Concrete Basement

Welcome to Monticello, Kentucky – a charming city nestled in the heart of Wayne County, where Southern hospitality meets breathtaking natural beauty. Known for its picturesque landscapes and friendly community, Monticello offers a unique blend of small-town charm and modern conveniences. With its serene lakes, lush parks, and vibrant local culture, it’s no wonder that Monticello is becoming a sought-after destination for homebuyers.

One of the standout features of homes in this area is the presence of concrete basements. These sturdy foundations not only provide enhanced structural integrity but also offer additional living space, making them ideal for families or those who love to entertain. Whether you envision a cozy family room, a home gym, or a spacious workshop, a concrete basement can be transformed into your dream space, tailored to your lifestyle.

Living in Monticello means embracing a lifestyle filled with outdoor adventures. The nearby Lake Cumberland is perfect for boating, fishing, and swimming, while the surrounding hills are ideal for hiking and exploring. The community hosts various events throughout the year, fostering a sense of belonging and connection among residents.

With an array of homes featuring concrete basements, Monticello is not just a place to live; it’s a place to thrive. Experience the warmth of this wonderful city, where your dream home awaits, complete with the durability and versatility of a concrete basement. Come discover the perfect blend of comfort, community, and adventure in Monticello, KY!

Newest Monticello Homes with Concrete Basement

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

4 Beds ⋅ 3 Baths ⋅ 26006388 MLS

Welcome to your perfect getaway or full-time retreat in the highly desirable Golden Pond Resort area! This beautifully updated 4 bedroom, 3 full bathroom home offers the ideal blend of comfort, functionality, and proven income potential. Step inside to a spacious, open-concept layout featuring a warm and inviting living room with hardwood flooring and seamless flow into the kitchen and dining area—perfect for entertaining or hosting guests. The kitchen is well-appointed with abundant cabinetry, generous countertop space, and comes fully equipped with all appliances. Just off the main living space, you'll find comfortable bedrooms and updated bathrooms designed with both style and convenience in mind. This home is uniquely suited for large gatherings or short-term rental use, with the ability to comfortably sleep multiple guests. Currently operating on a successful rental program, this property presents an excellent opportunity for immediate income or continued investment. Outdoor living truly shines here with a large screened-in back deck, offering a private and relaxing setting to unwind. The hot tub conveys, creating the ultimate space to relax after a day on the lake. The home also includes a 2-car attached garage and ample parking space for guests. Located just minutes from multiple public boat ramps and less than 5 minutes to Conley Bottom Resort, this property is perfectly positioned for lake lovers and vacationers alike. Additional features include: • Kitchen appliances convey • Washer & dryer convey • Hot tub conveys • Triple bunk bed conveys • Updated flooring throughout • Proven short-term rental performance Whether you're searching for a primary residence, vacation home, or income-producing property near Lake Cumberland, this one checks all the boxes. Don't miss your chance to own a turnkey property in one of the area's most sought-after locations!

235 Golden Pond Rd, Monticello

4 Beds ⋅ 3 Baths ⋅ 26005589 MLS

BACK ON THE MARKET!!!!Beautiful, lightly secluded 4-bedroom, 3-bath brick home offering space, versatility, and unique features for both comfort and functionality. This property includes a partially finished basement, along with a large unfinished room that can easily be completed to add even more living space. The spacious primary bedroom features a private sitting area and a walkout sliding door leading to the deck—perfect for enjoying peaceful mornings or relaxing evenings. The basement is equipped with a window A/C unit and baseboard heating, and also includes a flue cleanout, making it ready for a wood-burning stove or gas heating option. A standout feature of this home is the walk-in cooler—ideal for wild game enthusiasts, homesteaders, or anyone interested in processing and storing their own meat. Located less than one mile from a public boat launch, this property is perfect for outdoor lovers. Additional highlights include: •A walkout basement with a full kitchen, full bath with laundry room and 2 full size bedrooms. A detached 2-bay garage with 10-foot-high doors, underground electric, and a separate meter • An attached workshop or game room, perfect for hobbies or entertaining • An additional outbuilding that can serve as a workshop with side storage for boats, ATVs, mowers, or equipment This property offers a rare combination of privacy, practicality, and recreational convenience—making it a must-see! New flooring in basement living area.

815 Jr Phipps Rd, Monticello

3 Beds ⋅ 2 Baths ⋅ 26008258 MLS

Welcome home to your 131 Golden Pond Road lake getaway, where you can't wait for the weekends to arrive! This is one of the most coveted Lake Cumberland resort communities in Wayne County. Step inside this lake area home that has been well taken care of, and has an open floor concept that offers the idyllic setting for hosting and entertaining guests. There is an expansive screened in back porch to enjoy the atmosphere that our beautiful Lake Cumberland has to offer. The main level offers a spacious Great Room, Eat-in Kitchen, 2 Bedrooms, 1 Full Bath, and a Laundry/Utility Room. The lower level features a Family Room, 1 Bedroom, 1 Full Bath, a Bonus Room, and an Attached Garage equipped with a 9x12 door suitable for housing your pontoon, boat & watercrafts, saving you a storage bill! There are community amenities available, for a fee, if you desire to utilize the tennis court, swimming pool, and common areas. Conley Bottom Resort & Marina is only 5 minutes away, offering close access for boating access. There are additional accessible boat ramps in the area that are available. Don't miss this opportunity to own your vacation getaway, permanent residence, or your possible VRBO Income Producing Property! Schedule your private tour today!

131 Golden Pond Rd, Monticello

3 Beds ⋅ 3 Baths ⋅ 25503942 MLS

3 bedroom, 3 bath Home and boat slip! You won't find homes like this for sale often, Located on a scenic road with views of Lake Cumberland, this property offers a relaxing setting for daily living and entertaining. The large master suite is on the main floor, and wrap-around decks provide lake views from multiple rooms including the Master Bedroom, living room and Kitchen. With approximately 3,400 square feet of finished space and living rooms upstairs and downstairs, there's plenty of room for gatherings or extended family. This home has an attached 2 car garage for parking and storage, including a storm shelter on the bottom level for extra storage and safety. Additionally, a boat slip at a recently renovated private community dock is available with no waitlist, offering immediate access. The property borders the Army Corps of Engineers land, allowing for lake views from multiple rooms and decks. Located just minutes from Conley Bottom and Beaver Creek Marina by boat, this home is ideal for lake enthusiasts.

607 Old Lck 21st Rd, Monticello

6 Beds ⋅ 6 Baths ⋅ 26006647 MLS

New price!! Lakefront luxury can be yours in this breathtakingly gorgeous lake home that is completely furnished, all you'll need is your toothbrush! Lake Cumberland memories will begin and last forever as the nearly 5,000 sq ft of meticulously designed spaces will accommodate an abundance of friends and family! This stunning 6 bedroom, 5.5 bath custom built craftsman style home sits beautifully on 1.3 acres with a majestic view of the lake and lush surrounding hills. Enjoy these breathtaking views from nearly every room including the spacious great room, with soaring wood-beamed ceilings and a striking 2 story stone fireplace. The elegant kitchen features hardwood flooring, a huge bar and an expansive dining area, perfect for entertaining. Step outside onto the massive, wrap around screened porch, complete with a cozy stone fireplace and all the beauty and privacy that surrounds you. You can retreat to the private master suite or unwind in the finished walkout basement that features additional bedroom spaces (even a bunk room), a cozy family room and a large recreational area. Looking for income possibilities? If so, you may want to take advantage of the nightly rental opportunities as this is permitted in this upscale gated community!! With just a short drive to Beaver Creek Marina, this magnificent property offers both luxury and convenience for lake living at its finest. Don't miss a chance to own this exceptional Lake Cumberland retreat!

1166 Sandstone Point Trl, Monticello

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

6 Beds ⋅ 5 Baths ⋅ 26007152 MLS

Welcome to this impressive in-town property on Sunset Blvd offering nearly 4,000± sq ft of well-designed living space on a level 0.97± acre lot—an increasingly rare combination of space, functionality, and convenience in today's market. From the moment you step inside, the home sets itself apart with a grand entry and soaring ceilings that create an open, upscale feel throughout the main living area. Designed for both everyday living and entertaining, the layout flows seamlessly between the living room, formal dining area, and spacious kitchen featuring ample cabinetry, a breakfast bar, and dedicated dining space. The main-level primary suite offers both comfort and convenience, highlighted by a fully remodeled bathroom (2024) that delivers a clean, modern finish. Recent updates throughout the home include fresh interior paint (2022), plantation shutters in the living room, updated fixtures, three updated toilets, a new dishwasher (2025), and a new hot water heater (2026). Upstairs provides additional bedrooms, bathrooms, and flexible living space, while the fully finished walk-out basement significantly expands the home's functionality with a second living area, kitchenette, bedroom, bathroom, bonus room, and storm shelter—ideal for guests, extended family, or multi-generational living. Additional features include a 3-car garage, generous storage throughout, and multiple indoor and outdoor living spaces. Enjoy both an elevated deck and lower-level patio overlooking the spacious yard—perfect for relaxing or entertaining. Homes offering this level of space, layout, and recent updates—especially in a convenient in-town location—are rarely available. Schedule your private showing today.

575 Sunset Blvd, Monticello

Start Your Search