Monticello Homes with Full Basement

Monticello Homes with Full Basement

Welcome to Monticello, Kentucky – a hidden gem nestled in the heart of Wayne County. This picturesque city offers a unique blend of small-town charm and natural beauty, making it an ideal place for families, retirees, and anyone looking to embrace a tranquil lifestyle. With its rich history, friendly community, and stunning landscapes, Monticello is a place where you can truly feel at home.

One of Monticello's standout features is its proximity to breathtaking outdoor recreational opportunities. The nearby Lake Cumberland is a haven for boating, fishing, and hiking, while the surrounding rolling hills and lush forests provide endless opportunities for exploration. Whether you're enjoying a peaceful day by the water or taking a scenic hike, Monticello's natural beauty is sure to captivate you.

When it comes to real estate, Monticello boasts a variety of housing options, including charming homes with full basements. These spacious residences offer the perfect blend of functionality and comfort, providing ample space for storage, recreation, or even a cozy home office. With the added benefit of a full basement, you'll have the flexibility to design your space according to your needs, whether it's a family game room, a workshop, or a serene retreat.

In Monticello, you’ll find a welcoming community that values tradition and neighborly connections. From local events to community gatherings, there’s always something happening that brings residents together. With its rich culture, beautiful surroundings, and fantastic housing options, Monticello, KY, is not just a place to live – it's a place to thrive. Come discover your dream home in this enchanting city today!

Newest Monticello Homes with Full Basement

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

5 Beds ⋅ 4 Baths ⋅ 26016942 MLS

Welcome to 305 Beech Street, a truly special Tudor-inspired home tucked along year-round Elk Creek in the heart of Monticello. Located within the city limits, this 23 +/- acre unique property offers the convenience of town with the peaceful feel of country living. Lovingly designed and enjoyed for generations, it is a place filled with beauty, character, and history. A winding asphalt driveway shaded by mature dogwood trees and lined with carefully trimmed evergreens welcomes you home. Inspired by the owners' travels through Europe, the grounds feature expansive lawns, mature shade trees, and a beautiful formal French garden with brick-lined beds, statuary, boxwoods, flowering arches of Sweet Autumn Clematis, a vegetable garden, and an automated irrigation system. In the spring, hundreds of daffodils bloom throughout the property, while the shady creekside setting provides the perfect place for picnics, cookouts, and simply enjoying nature. Built of native mountain stone, stucco, and custom milled fir trim, the home reflects exceptional craftsmanship and timeless style. A two-level screened gazebo porch with sliding glass windows creates a wonderful space to enjoy in every season. Inside, soaring beamed ceilings, hand-painted details, custom stained glass, beautiful millwork, and Italian porcelain flooring create a warm and inviting atmosphere. The spacious great room is centered around a striking custom stone fireplace with a heatilator system and flows easily into the dining room overlooking Elk Creek. The kitchen is both beautiful and functional, featuring custom cabinetry, quartz countertops, a center island, walk-in pantry, GE Monogram dual-fuel six-burner range with double ovens, KitchenAid appliances, and a cozy bay window breakfast area with views of the creek. The main-level primary suite offers an 11-foot beamed ceiling, stone fireplace with gas logs, sitting area, private deck, large walk-in closet, and a luxurious bath with heated floors, double shower, and clawfoot soaking tub. A guest bedroom and bath are also conveniently located on the main level. Upstairs is an additional private suite with custom built-ins, dormer windows, abundant storage, and its own bath. The walk-out basement provides generous additional living space with a fireplace, recreation areas, two more bedrooms, including one with an en suite bath, and plenty of storage. Additional features include three separate HVAC systems, an automatic generator, oversized garage, city water and sewer, and a new roof installed in May 2026. Rich in local history and surrounded by natural beauty, 305 Beech Street is more than just a house. It is a place where memories have been made for generations and where the next owners will have the opportunity to enjoy a truly remarkable setting along Elk Creek. Convenient location near Lake Cumberland in South Central Kentucky!

305 Beech St, Monticello

4 Beds ⋅ 3 Baths ⋅ 26006968 MLS

Income-producing barndominium just 1 minute from New Fall Creek boat ramp and 7 minutes to Conley Bottom Marina. Featuring an open floor plan with soaring ceilings, 4 bedrooms, 3 baths, lake views, and a wraparound porch. Includes a 30x40 garage perfect for a boat and camper. Selling fully furnished and currently operating as a successful short-term rental with strong bookings in place.

856 New Fall Creek Rd, Monticello

Positioned on one of the busiest streets in the county, this +-6,720 sq ft medical office building delivers exceptional visibility and consistent traffic flow, directly across from Tractor Supply Company. Located just off Main Street, the property offers strong accessibility and a commanding commercial presence. The upper level is fully configured for medical use with 14 rooms, a reception area, spacious waiting room, break room, dedicated X-ray room, two half baths, and additional storage closets. The lower level adds flexibility with two full bathrooms and a large concrete vault room, well suited for secure storage, records, or specialized equipment. The building is supported by three HVAC units, single phase 400 amp electric service, city water, and sewer. A large blacktop parking lot provides space for 30 plus vehicles, offering convenience for both staff and clients. Recent improvements include a newer roof, gutters, and water heater, helping minimize upfront costs. Whether expanding a medical practice or establishing a wellness, mental health, therapy center, or insurance agency, this property offers the layout, location, and infrastructure to perform.

1104 N Main St, 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 ⋅ 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

5 Beds ⋅ 3 Baths ⋅ 26011322 MLS

MOTIVATED SELLER! This home is just minutes from Conley Bottom and Burnside Marina! It would make the perfect vacation home or VRBO or Air B&B Rental! WIth both the attached and detached garages there is plenty of room for your boat and lake toys as well as your cars! Welcome to 2371 Highway 1568, where breathtaking views of rolling farmland, mountains, and mature trees create the perfect private country retreat. This well-built home offers 2,683 square feet of comfortable living space with 5 spacious bedrooms and 3 full bathrooms, providing room for everyone to spread out and enjoy. The main level features a welcoming living room, kitchen, dining room, 3 bedrooms, and 2 full baths. Downstairs, the partially finished basement includes 2 additional bedrooms, a large family room, utility room, and garage space, offering flexibility for guests, extended family, or additional entertaining areas. You'll appreciate the abundance of storage throughout the home, along with recent updates including new luxury vinyl flooring and new carpet. Enjoy the peaceful surroundings from the two back porches — one enclosed for year-round enjoyment and one open-air porch perfect for relaxing and taking in the beautiful scenery. Situated on 3.11 Non- Restricted acres, this property offers both privacy and opportunity. The mature timber has never been logged, creating potential future income possibilities. In addition to the attached garage, there is an impressive detached 1,376-square-foot garage providing excellent space for vehicles, equipment, hobbies, or workshop use. Additional features include a Silent Guard security system that is owned and can convey with the property. If you are looking for a spacious home with scenic views, quiet surroundings, and endless possibilities, this beautiful country property is a must-see.

2371 State Highway 1568, 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 ⋅ 2 Baths ⋅ 26005928 MLS

Back on the market at no fault of the seller or property! Welcome to 875 Hwy 3106 in Monticello, KY—offering the perfect blend of country living, usable land, and modern updates. Situated on approximately 2.15 acres, this 3 bedroom, 2 bath home provides space, privacy, and versatility just minutes from town. Originally built in 1950 and thoughtfully updated, this home features a functional layout with over 1,400 square feet on the main level plus additional finished space in the basement—ideal for extra living, storage, or recreation. Inside, you'll find a warm and inviting feel with a mix of modern updates and classic character, along with a spacious kitchen and comfortable living areas designed for everyday living. The 3-bedroom with a bonus room layout offers flexibility for families, guests, or home office space. Outside is where this property really stands out—over 2 acres of usable land with room for gardening, recreation, or even small-scale hobby farming. A large detached garage/shop provides excellent space for vehicles, equipment, or a workspace, making this property ideal for those needing extra storage or functionality. Located in a peaceful setting while still being convenient to Monticello and Lake Cumberland, this property is perfect as a full-time residence, weekend getaway, or investment opportunity. Don't miss your chance to own a property with acreage, updates, and endless potential—schedule your showing today.

875 State Highway 3106, Monticello

4 Beds ⋅ 3 Baths ⋅ 26002403 MLS

Welcome home to this beautiful, well-maintained 3,416 sq ft bi-level home sitting on a spacious 1.2- acre corner lot with room to breathe and features that are hard to find! This property offers 4 bedrooms, 3 full bathrooms, two full kitchens, and a layout that is perfect for multi-generational living, entertaining, or hosting guest. The main level features a bright and open floor plan with a large living room, spacious dining area, and a warm, inviting kitchen. you'll love the mix of gorgeous hardwood flooring, new carpet, and tile, along with the comfort of a wood-burning fireplace. The main level includes 3 bedrooms and 2 full baths, including updated handicap-accessible walk-in tub with a door for added convenience. Downstairs, the fully finished walk-out basement is like a second home, complete with a second kitchen, full bathroom, laundry room, 1 bedroom, and a very large living room with a second fireplace. This level is ideal for a in-law suite, guest space, or extra entertaining area. This home also features a built-in central vacuum system with vacuum hookups conveniently located throughout the house, making cleaning easier and more efficient. Step outside and enjoy the back deck, a yard with fruit trees, and an outbuilding for storage, hobbies, or a workshop. Both driveways are blacktop, and the attached 2-car garage adds even more functionality. Recent updates include a new roof and update screened gutters, giving buyers peace of mind. This one truly has it all, space, update, charm, and versatility. A MUST-SEE PROPERTY!!

35 Guinn Dr, Monticello

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

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

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