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$498,000
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

$350,000
3 Beds 2 Baths 26005409 MLS
Highlights: This property offers a charming cabin-style 3 bed/2 bath home and barn situated on over 36 +/- unrestricted acres, complete with a spring-fed pond. If you've been looking for a place where life can slow down and the outdoors take center stage, this property is worth a look! The home features classic hemlock siding and a large front porch, some recent kitchen updates, and a few new light fixtures, but the land itself is the true highlight—partially wooded with untouched timber. Whether you enjoy hunting, exploring, or simply being immersed in nature, this property delivers. A picturesque spring-fed pond sits just outside your dining room window, your own personal fishing hole and a serene backdrop for everyday life. While the home could use a little TLC, it provides a foundation for a rustic getaway, hunting cabin, or full time residence for those seeking a simpler lifestyle. A barn on the property adds additional functionality, perfect for covered storage, equipment, or hobby farming. If you're dreaming of wide-open spaces in a part of the world that moves a little slower, come see 656 Thompson Road in friendly Monticello, Kentucky! *Property is located on a dead-end road, so there is no through traffic coming by the house. *There are multiple places on the property that would be suitable building lots. *Suitable for cattle or horses; no fencing currently.

656 Thompson Rd, Monticello

$179,900
2 Beds 1 Baths 25508315 MLS
Welcome to this beautifully maintained 2-bedroom, 1-bath home that combines comfort, style, and convenience. Step inside to find warm hardwood floors and a bright, inviting living space. The kitchen features sleek stainless steel appliances and plenty of functionality for everyday living or entertaining. Outside, enjoy a spacious back deck perfect for relaxing or hosting guests. The property includes an insulated detached garage, a convenient carport, and ample storage options. Ideally located close to all local amenities, shopping, and dining, this home is also just minutes from Lake Cumberland—perfect for boating, fishing, and outdoor adventures. Whether you're looking for a primary residence, a weekend getaway, or an investment opportunity, this move-in-ready home offers the best of comfort and location.

209 Tate Dr, Monticello

$7,900
24015174 MLS
It all starts with that perfect spot. Build your dream home on this 1.09 acre building lot perched above Lake Cumberland. Sandstone Point is a gated community 10 miles north of Monticello, KY. The resort is mostly being done in cottage/cabin styles for residential or vacation rentals. Think Gatlinburg. Only maybe 5 miles from Beaver Creek Marina. Despite being next to the lake and giving the feeling of 'being away from it all, great shopping including a Walmart Super Center, restaurants, pharmacies, hardware stores and more are close by in Monticello and beautiful Somerset is just a short drive away. They don't make anymore lake property the saying goes. Make sure you get yours. Some basic restrictions to protect your investment.1400 sq ft minimum. No mobile homes or doublewides. Barndominiums with approval.

Lot 35 Sandstone Point, Monticello

$19,900
26008850 MLS
Bring your floor plans settle in down at the lake. Mostly level lakefront 1.87 acre lot (you'd probably have a walkout basement). Think Gatlinburg!! Restrictions are minor, 1500 sq ft minimum- cottage size, no mobile homes or campers, no junk cars, no livestock. Underground utilities. Maintenance fee is $400/year to keep up the place. You don't want a junked up neighborhood do you? They don't make anymore lake property the saying goes. Make sure you get yours. Cumberland Shores is a gated community just north of Monticello, KY. Beaver Creek Marina is only 7 miles away as are several nearby ramps for easy lake access. Mostly done as a vacation home development the lots were sold as future investments and building later when people retire. It's not like a regular residential neighborhood. As of now there are only about half a dozen properties out there. So due to the slower rate of development you will have some good privacy for quite a while. Underground utilities and a low tax rate make this a highly desirable property.

Lot 17 Cumberland Shores, Monticello

$129,900
2 Beds 1 Baths 26013255 MLS
Charming and affordable vinyl home on one level with features that include a spacious Living Room, Eat-in kitchen with dining area, 2 bedrooms, Full bath has tub/shower combo, and a Laundry Room. All appliances convey with the property including refrigerator, self-cleaning range, washer and dryer. The property is situated on a 0.16 corner lot, and has a nice level back yard perfect for growing a garden. Updates in recent years include: central air/heat pump, 10 year old roof, 5 year old water heater, hardwood floors, kitchen countertops and paint. The home has been well maintained, and is move-in ready. There is an attached carport, extended parking space, and a concrete driveway. Wayne County School Campus is close by, as well as medical facilities, shopping, and the conveniences of town. This could be a great starter or retirement home, or rental investment.

12 Maple St, Monticello

$125,000
3 Beds 2 Baths 26006912 MLS
Discover the potential in this 1456 sq ft +/- double wide home on a permanent foundation, perfectly situated in a highly desirable location just minutes from Old Fall Creek Boat Ramp and Conley Bottom Resort. Featuring 3 bedrooms and 2 full baths, this property offers a spacious layout ready to be transformed into your ideal getaway or income-producing investment. Enjoy outdoor living with a large front porch—perfect for relaxing after a day on the water—and a fully fenced backyard providing privacy and space for pets or gatherings. Whether you're looking for a vacation retreat, rental opportunity, or a project to make your own, this property offers endless possibilities. Please note: Home is not move-in ready and will require remodeling. Being sold as-is. Don't miss your chance to invest in a prime location with strong potential! Call today to schedule a private showing!

1015 Old Fall Creek Rd, Monticello

$185,000
3 Beds 2 Baths 26004521 MLS
This beautiful property offers a charming home set in a peaceful country setting with plenty of features to enjoy. The property includes a barn and silo, along with an additional property hookup that already has septic, water, and electric connections in place. The home sits on a permanent block foundation and has been updated with a new roof, new facias, gutters, and vinyl siding, adding both durability and curb appeal. Inside, the spacious home features generously sized bedrooms and a cozy living room that is perfect for relaxing or entertaining guests. The dining area provides a wonderful space for family meals and gatherings, while the kitchen offers ample cabinet space for storage and functionality. Large walk-in closets add extra convenience, and the spacious primary bathroom provides comfort and room to unwind. The home comes fully equipped with all appliances, including a refrigerator and range, making it truly move-in ready. Enjoy the quiet and beauty of country living while still being just a short 10-minute drive from shopping, restaurants, and hospitals. For outdoor recreation, the property is also located about 20 minutes from the boat dock at beautiful Lake Cumberland, offering easy access to boating, fishing, and lake activities. This well-maintained home combines peaceful surroundings with modern conveniences, making it a wonderful opportunity you won't want to miss.

1115 Kentucky, Monticello

$9,900
23015788 MLS
What a great opportunity to own this Lake Cumberland lot inspired by Gatlinburg!! Stake your claim on this sprawling 1.53-acre lot in Sandstone Point a gated community, just 5 miles from Beaver Creek Marina. Appreciate quality living with community-wide restrictions that enhance the charm and protect your investment. A minimum 1400 sq ft building size. No mobile homes or doublewides, preserving the community's charm. Pending approval, innovative barndominiums are an option.Enjoy underg round utilities for unobstructed views. Electric and water seamlessly integrated, leaving nature undisturbed. Your home would be serviced by a septic system installed when you build. Fresh mountain air and enchanting ambiance enrich your retreat. Unlock investment potential in Sandstone Point's evolving market. Despite being next to the lake and giving the feeling of 'being away from it all,' great shopping including a Walmart Super Center, restaurants, pharmacies, hardware stores and more are close by in Monticello and beautiful Somerset is just a short drive away.Fun Fact: Monticello is the Houseboat Capitol of the World because of the numerous manufacturers located there.

Lot 74 Sandstone Point, Monticello

$26,900
26005765 MLS
Discover the perfect blend of freedom, convenience, and outdoor recreation with this exceptional unrestricted lot just 2 miles from Safe Harbor Beaver Creek on beautiful Lake Cumberland. Ideally located near one of the area's most popular marinas known for its access to countless coves, boating, and water activities, this property offers endless possibilities whether you're looking for a weekend retreat or an income producing investment. This versatile tract is completely unrestricted, making it perfect for campers, RV setups, barndominiums, tiny homes, or your own private vacation getaway. With water and electric available along the road, much of the groundwork is already in place to start enjoying the property right away or developing it to suit your vision. Surrounded by the natural beauty of southern Kentucky and just a short drive to Monticello, you'll enjoy the peace and privacy of country living while still being close to town, dining, and shopping. The proximity to Lake Cumberland makes this an ideal spot for boating enthusiasts, Airbnb potential, or anyone looking to escape and unwind. Whether you're planning a personal retreat, rental property, or recreational haven, this unrestricted lot near Beaver Creek Marina is a rare opportunity to own a slice of lake life with unlimited potential.

Lot 9 Phase 2 Stearns Hollow, Monticello

$439,900
4 Beds 3 Baths 26015002 MLS
Completely reimagined from the ground up, this stunning 4-bedroom, 3-bathroom home blends modern luxury with quality craftsmanship in every detail. Taken down to the studs and rebuilt with exceptional attention to detail, this property offers the peace of mind of extensive structural and mechanical updates paired with high-end designer finishes throughout. Step inside to an expansive open-concept floor plan highlighted by soaring vaulted ceilings, abundant recessed lighting, and a spectacular custom kitchen featuring over $65,000 in cabinetry and countertops, a massive center island with built-in bar seating, stainless steel appliances, gas range, and plenty of space for gathering and entertaining. The spacious primary suite is a true retreat, complete with a luxurious spa-inspired bath showcasing a custom tiled walk-in shower with rainfall shower head, dual vessel vanities, and an oversized custom walk-in closet. Two additional bedrooms are connected by a convenient Jack-and-Jill bathroom, while the fourth bedroom offers flexibility for guests or multigenerational living. An additional office or flex room provides the perfect space to work from home, playroom, or hobby room. Built with efficiency and comfort in mind, the home features spray foam insulation throughout the walls and ceilings, two 3-ton HVAC systems with all new ductwork, a propane tankless water heater with electric hookup available, all new plumbing, updated electrical system, and all new drywall, flooring, paint, lighting, and fixtures. Outside, you'll enjoy a welcoming covered front porch highlighted by a custom front entry, a spacious covered rear patio overlooking picturesque countryside views, updated landscaping, a detached garage, gazebo, storage shed, and a concrete storm shelter/storage area. Major renovations include: New foundation and reframed interior and exterior walls New roof, gutters, siding, windows, and exterior doors Painted brick exterior New wiring and electrical panel brought to code New plumbing throughout New HVAC systems and ductwork Premium custom kitchen and luxury bathrooms New flooring, paint, lighting, ceiling fans, and finishes throughout This is a rare opportunity to own what feels like a brand-new custom home while enjoying the character of an established setting. Every detail has been thoughtfully completed, making this truly move-in ready and built to impress.

114 Morrows Landing Rd, Monticello

$269,000
3 Beds 3 Baths 26008149 MLS
This beautiful brick home offers over 1,700 square feet of living space with 3 bedrooms and 2.5 baths in the highly sought-after Stonehedge subdivision. Situated just outside the city limits of Monticello, this property combines peaceful living with convenient access to nearby amenities while providing stunning views right from your doorstep. The home features gorgeous hardwood floors throughout, adding warmth and character to the space, along with recent updates including a brand-new roof and a new central heating and air system for comfort and peace of mind. Located just minutes from Conley Bottom Resort and multiple boat ramps, this property is perfect for those who love lake life and outdoor recreation, making it an ideal choice for a full-time residence or a weekend retreat. Call today to schedule a private showing!

74 Stonehedge Ct, Monticello

$299,000
2 Beds 1 Baths 26005932 MLS
Unique lake property situated on three lots featuring a 2-bedroom, 1-bathroom home plus a detached garage with plenty of room for a boat up to 26 ft. The garage has a finished guest quarters offering an additional 1 bedroom and 1 bathroom. Built in 2021 and tucked into a peaceful, golf-cart friendly Lake Cumberland community, this move-in-ready property offers flexibility, privacy, and lake lifestyle convenience all in one package. The main home features 2 bedrooms, 1 full bath, and an open-concept living/kitchen layout with durable LVP flooring throughout. The kitchen offers white shaker cabinetry, butcher block countertops, subway tile backsplash, stainless appliances, and recessed lighting, creating a clean, modern lake-cottage feel. The living area is bright and inviting with double doors leading to a spacious covered porch - perfect for relaxing after a day on the water. The full bath includes a tiled walk-in shower with glass door and updated vanity, continuing the low-maintenance, newer-construction appeal. Outside, enjoy extensive covered porch space with ceiling fans, composite decking on the house porch, ideal for entertaining or unwinding in the wooded setting. A major bonus is the detached garage with finished guest quarters, offering 1 bedroom, 1 bath, and its own mini-split HVAC system - perfect for guests, or private workspace. Also deck space beside garage for grilling, entertaining guest and relaxing. The property sits on three lots being sold together (approx. 1.32 acres +/-) and includes an additional lot already equipped with a RV hookup with septic, electric, and water in place, providing incredible flexibility for overflow guests or additional income potential. Located just minutes from Conley Bottom Marina and close to two private boat ramps, this home is ideal as a full-time residence, weekend getaway, or short-term rental investment near Lake Cumberland. If you've been looking for newer construction, extra space for guests, and lake access convenience - this one checks the boxes.

81 White Oak Ln, Monticello

$109,900
3 Beds 1 Baths 26010821 MLS
First time homebuyer, investment or downsizing opportunity in Monticello! This 3 bedroom, 1 bath home, in the city, offers convenient location to town and Highway 90. This property has potential. Inside, you'll find a functional layout with comfortable living spaces and natural light throughout the home. A highlight for this home is the large primary bedroom space. Step outside to enjoy the fenced backyard featuring chain link fencing, perfect for pets, children, or simply enjoying a outdoor setting. The property also offers ample driveway parking with plenty of space for multiple vehicles, guests, or recreational equipment. Conveniently located close to local shopping, dining, schools, and everyday amenities, this home provides the ease of in-town living while still offering a nice yard space to enjoy. Video and virtual tour are available.

299 Tate Dr, Monticello

$489,000
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

$139,000
26005111 MLS
Have you been looking for a large Tract of land near our beautiful Lake Cumberland? Then check out this gated community of Sandstone Point, just 5 miles from Beaver Creek Resort & Marina. There are no restrictions, so build that Barndominium you've always wanted, a cabin, or home of your choice of size. This 10.51 Acre Tract has 675 feet of Corp frontage, and is in Phase III, at the end of the Subdivision. There's plenty of room to build a garage to store all of the water toys! Conley Bottom Marina is about 20 minutes away, and there are multiple access points throughout the county for launching your boat. This Acreage is unrestricted, so the possibilities are endless for your options. Electric and water access is available. The kiosk at the entrance offers privacy and security for the Subdivision owners. If you're looking for privacy and seclusion, call today to schedule your private viewing!

132 Sandstone Point Trl, Monticello

$1,137,000
26004362 MLS
Rare opportunity to own the largest available tract on Lake Cumberland! This incredible 264.95-acre property offers unmatched privacy, breathtaking lake views, and endless potential. Build your dream home tucked within a forest of mixed hardwoods teeming with diverse wildlife. With approximately 3.5 miles of lake frontage and access to Beaver Creek, this property borders the Army Corps of Engineers, preserving your lake boundary and offering 200 acres of virgin land in your backyard to hike and explore. Multiple homesites to choose from, whether you envision a secluded estate, a recreational retreat, or a development of scenic lots. Enjoy boat ramp access via Sunset Landing, making lake days easy and convenient. Located in a welcoming agricultural community, this is your chance to create a legacy on one of Kentucky's greatest lakes. Peaceful. Private. Full of potential. Don't miss this one-of-a-kind opportunity!

1412 George Garner Rd, Monticello

$1,398,000
25009320 MLS
106 Acres - A Hunter & Angler's Paradise - !!You can walk or ride to the water from this property!! Escape to your own private retreat with this stunning 106-acre tract, bordered by ±230 acres of landlocked U.S. Army Corps of Engineers property—providing unmatched seclusion and abundant wildlife. Whether you're chasing trophy bucks or casting a line, this property delivers the ultimate in outdoor recreation. A public boat ramp is just under a mile away, giving you quick access to Lake Cumberland, with Beaver Creek Marina just minutes downstream. All the essentials are within reach, with town only 15 minutes away. If you've been dreaming of a hunting and fishing haven, this is it. Many lakefront building lots. Call for your private tour.

333 Acreyville Rd, Monticello

$269,000
3 Beds 2 Baths 26002825 MLS
If you are looking for quite country living with an open view of the countryside and farms then stop! Take a look at this beautiful bedford stone home that has been remodeled to with all amenities that you could want. Large open floor plan for kitchen/dining/living room. 3 large bedroom with large walk-in closets for each bedroom. 2 full baths with one walk in shower. This home has raised ceilings that brings the newer modern living vibe. There is a large laundry room tied with large pantry off of the kitchen for functional daily living. This home boast 3 coverd porches to sit out relax and enjoy the view. One cover screened in porch to enjoy the nighttime atmosphere without the insects. Outside boast a 576 sq ft 2 car garage with a shed attachment. There is a poured concrete pad to add to the property. This can be used as a base for extra storage shed, provide fencing to make a dog kennel. If you are wanting to start your own garden ther is lots of room to have a large garden . Ample ground to have chickens, goats, sheep or other livestock. This home has too many things to offer to list. Even comes with 2 cute built in bed.

1169 Old Bethel Church Rd, Monticello

$19,900
25012381 MLS
Bring your floor plans and relax down at the lake on this .96 acre lot. Very nicely situated at the end of a quiet cul-de-sac. It's a fairly level lot but you would probably build a walk out basement home. Restrictions are minor, 1500 sq ft minimum- cottage size, no mobile homes or campers, no junk cars, no livestock. Maintenance fee is $350/year to keep up the place. You don't want a junked up neighborhood do you? They don't make any more lake property the saying goes. Make sure you get yours. Cumberland Shores is a gated community just north of Monticello, KY. Beaver Creek Marina is only 7 miles away for easy lake access. Underground utilities and a low tax rate make this a highly desirable property. This lot offers the perfect blend of tranquility and convenience for your dream home. This lot offers the perfect blend of tranquility and convenience for your dream home. Fun Fact: Monticello is the Houseboat Capital of the World due to numerous manufacturers located there.

Lot 28 Cumberland Shores, Monticello