Monticello Homes under $500,000

Welcome to Monticello, a charming city nestled in the heart of Minnesota, renowned for its picturesque landscapes and vibrant community spirit. With a rich history that dates back to the mid-1800s, Monticello offers a delightful mix of small-town charm and modern conveniences. Situated along the banks of the Mississippi River, this city boasts beautiful parks, scenic trails, and a thriving downtown area filled with local boutiques and eateries. Residents enjoy a close-knit community atmosphere, complemented by excellent schools and a variety of recreational opportunities, making it an ideal place for families and individuals alike.

For those looking to invest in Monticello's real estate market, the options are plentiful, especially for homes under $500,000. This price point opens the door to a diverse array of properties, from cozy single-family homes to more spacious townhouses, all designed to cater to different lifestyles and preferences. Many of these homes feature modern amenities, charming architectural details, and well-maintained yards, perfect for creating lasting memories with family and friends.

Living in Monticello means embracing a lifestyle that balances tranquility with accessibility. With easy access to major highways, residents can enjoy the convenience of nearby cities while returning to the peaceful surroundings of their hometown. Whether you're a first-time homebuyer or looking to downsize, Monticello’s real estate market offers fantastic opportunities to find your dream home without breaking the bank. Come discover the warmth and welcoming nature of Monticello – your perfect home awaits!

Newest Monticello Homes under $500,000

$459,900

3 Beds ⋅ 4 Baths ⋅ 12775216 MLS ⋅ NEW Status

A truly special Monticello home where timeless curb appeal, mature landscaping, and an exceptional location create an inviting place to call home. Beautifully positioned along the golf course and just moments from the newly renovated park and aquatic center, this property offers a wonderful setting with tennis, pickleball, basketball, golf and recreational amenities close at hand. From the moment you arrive, the mature trees, established landscaping, and distinctive exterior make a lasting impression. Inside, this oversized two-story residence offers more than 3,600 square feet of finished living space, featuring three bedrooms, two full bath and 2 half bath and generously proportioned rooms throughout. The spacious family room is a true gathering place, highlighted by a vaulted ceiling and handsome wood-burning fireplace with brick hearth and surround. A gracious formal living room and inviting eat-in kitchen provide additional spaces for both everyday living and entertaining. Perhaps one of the home's most memorable features is the beautiful three-season room, where walls of windows frame peaceful views down the golf course fairway and fill the space with natural light. Step outside to the concrete patio and enjoy the privacy of the fenced backyard, surrounded by mature trees and beautifully established landscaping. The partially finished basement adds valuable flexibility with additional living space, hobbies, recreation, and abundant storage. Thoughtful updates, spacious interiors, an abundance of windows, exceptional outdoor spaces, and a setting that combines privacy with convenience make this a rare opportunity. A distinctive home in a sought-after Monticello location, offering the space, character, and setting that are increasingly hard to find.

703 Surrey Road, Monticello

$304,900

3 Beds ⋅ 3 Baths ⋅ 12774087 MLS ⋅ NEW Status

Welcome to this beautifully designed 1.5-story zero-lot duplex located in Monticello! Offering 3 bedrooms and 3 full bathrooms across 1,808 finished square feet, this home combines modern finishes with functional living spaces. Step inside to an open-concept main level featuring luxury vinyl plank flooring throughout the foyer, kitchen, dining area, and living room. The stunning kitchen is equipped with white perimeter cabinetry accented by black hardware, a contrasting limestone-colored island, and sleek quartz countertops throughout. A spacious walk-in pantry and GE stainless steel appliances-including oven/range, microwave, dishwasher, and refrigerator-complete the space. The island also offers a breakfast bar with seating for four. The living room is highlighted by a dramatic floor-to-ceiling stone electric fireplace and soaring cathedral ceilings that extend through the main living area. The door in the living room leads to the back concrete patio and backyard with a newly added 6' white vinyl fence, perfect for outdoor relaxation. The main level includes a primary suite with a walk-in closet and private full bathroom, along with a second bedroom and an additional full bath. A convenient mudroom off the attached 2-car garage features a coat locker and includes the washer and dryer. Upstairs, you'll find a spacious third bedroom with its own full bathroom-ideal for guests, a private retreat, or a home office. With thoughtful design, quality finishes, and a desirable layout, this home is a standout opportunity in Monticello!

7 Prairie Trail, Monticello

$285,000

3 Beds ⋅ 2 Baths ⋅ 12763443 MLS ⋅ ACTIVE Status

Darling ranch home in the heart of Monticello, tucked into a quiet neighborhood and close to the high school. This 3-bedroom, 1.5-bath home features a very spacious primary bedroom, hardwood floors in the bedrooms and dining room, and brand-new carpet in the living room. Large windows throughout bring in tons of natural light and make the home feel bright and open. Light, bright kitchen with new, stainless steel appliances in the last couple years. Outside, enjoy a recently added concrete patio, paver fire pit, and a huge backyard with plenty of room to relax or entertain. Great curb appeal, a comfortable layout, and a location that's hard to beat.

907 S Longview Road, Monticello

$209,900

3 Beds ⋅ 2 Baths ⋅ 12621320 MLS ⋅ ACTIVE Status

Charming 1.5 story bungalow with plenty of space, comfort, and outdoor appeal! This 3 bedroom, 1.5 bath home features a spacious living room and an inviting eat-in kitchen with white cabinetry and included appliances. All three bedrooms are conveniently located on the main level, while the upper level offers a generous bonus room with flexible possibilities for a home office, playroom, hobby space, or additional living area. The unfinished basement provides excellent storage. Enjoy peaceful mornings on the large covered front porch and unwind on the back patio overlooking the spacious, fully fenced backyard. A storage shed adds even more convenience, while the attached 2.5 car garage provides plenty of room for vehicles, tools, and storage. A great combination of charm, functionality, and outdoor space!

1020 N Walnut Street, Monticello

$329,000

3 Beds ⋅ 3 Baths ⋅ 12741461 MLS ⋅ ACTIVE Status

Relax and unwind in this inviting 3 bed, 3 bath home close to the river! With 1,996 sq ft of comfortable living space, this Saddle Brook cul-de-sac gem offers a bright layout, spacious bedrooms, and 2 full baths upstairs. Enjoy peaceful surroundings, mature trees, and quick access to boating, fishing, and Monticello's outdoor fun. Updates in the last 3 years include a new roof, furnace, A/C, and crawl space waterproofing-move-in ready and worry-free!

1178 N Saddlebrook Court, Monticello

$414,900

3 Beds ⋅ 2 Baths ⋅ 12718421 MLS ⋅ ACTIVE Status

A stunning new construction home in the Sage Meadows subdivision! This open concept offers vaulted ceilings and hardwood flooring in the main living areas, allowing natural sunlight to bounce throughout. The kitchen includes an eat-at island with a sink, stainless steel appliances, and a pantry. The dining area with sliding glass doors walks out to the concrete patio with quick access to the wellness trail. Ideal split floor plan, master bedroom off the back of the home, and the master bathroom features double sink vanity, shower, and large walk-in closet. Mud/laundry room adjacent to the 2-car garage and includes a bench & lockers. The basement is full unfinished and plumbed for a future bathroom.

14 Meadow Drive, Monticello

$359,900

3 Beds ⋅ 3 Baths ⋅ 12720794 MLS ⋅ ACTIVE Status

Spacious 5-bedroom, 3-full-bath ranch home on a corner lot with a fully finished basement. The primary suite features 3 closets and a newly remodeled bathroom. The finished basement offers a 5th bedroom with egress window, additional storage, new flooring, and a second entrance to the garage. The dining and living room feature new flooring, and the kitchen includes all new appliances. Enjoy the updated screened-in porch and new deck with fresh screens, perfect for outdoor entertaining. Recent updates include new A/C (2024), water heater (2024), and garage doors (2026). A great home with plenty of space and updates throughout!

205 Surrey Court, Monticello

$379,900

4 Beds ⋅ 3 Baths ⋅ 12732405 MLS ⋅ ACTIVE Status

Move in and move up to this fabulous 4-bedroom, 2 1/2-bath home in The Chimneys! A spacious foyer welcomes you into a well-designed home featuring hardwood flooring throughout the main level. The inviting family room offers a cozy fireplace and flows into the breakfast area and galley-style kitchen, complete with oak cabinetry and access to the enclosed porch, deck, and fenced patio area-perfect for relaxing or entertaining. The formal dining room is conveniently located just off the kitchen and opens to the front living room, creating an ideal flow for gatherings. Upstairs, you'll find four spacious bedrooms along with the laundry for added convenience. The private primary suite features beautiful cathedral ceilings, a large walk-in closet, and a spacious bath. Situated on a peaceful cul-de-sac in a wonderful neighborhood, this home offers generous living space, a great floor plan, and a setting you'll love to call home!

300 Gainesborough Court, Monticello

$284,900

4 Beds ⋅ 2 Baths ⋅ 12715307 MLS ⋅ ACTIVE Status

Over 2800 Sq ft with a SUPER cool fireplace room! Located on just over an acre of land, with lots of great trees and semi secluded. The Large entry way includes a walk in closet, great for storage and winter coats. The eat in kitchen has a center island and cabinets and appliances surrounding, with a dining room complete with a fireplace ambiance nearby. (All appliances newer except dishwasher which runs well) The family room is XXL with a bar in the corner too! This overlooks and has door access to a SUPER cool room just WAITING for your touches (see picture for vision created) that has an oversized wood burning fireplace, wood included! (Current picture is first/2nd picture is vision for this room). This is great for a game room, hot tub area, cozy living room, let your imagination go!. There is a bedroom and full bath on main level, and laundry room/pantry area. The 2nd floor has 3 bedrooms and 1 bath. (Bath is in one of the bedrooms but used that as a 2nd sitting space/living room. Basement has mechanics and some storage. NOW, onto the yard! decking is from the side door to the gazebo style decking to enjoy in the back. Then check out that yard! It's ENDLESS and includes a spacious storage shed or man cave! 2 car Det garage. Disclaimer: many rooms have been noted as Virtually Staged to add decor and/or furniture to show placement options. Please see the virtual tour for vacant photos

835 N Front Street, Monticello

$389,900

3 Beds ⋅ 2 Baths ⋅ 12717227 MLS ⋅ ACTIVE Status

Step into timeless elegance with this beautifully maintained classic home in the heart of Monticello! Offering just over 2,900 square feet of living space, this exceptional residence features 3 bedrooms, 2 full baths, with an additional room perfect for a nursery or home office. Situated on a spacious corner lot with mature trees, a fenced backyard, charming paver patio and classic carriage house-style garage with brick paver drive, this property offers the perfect blend of historic character and modern comfort. The inviting front porch, partially screened for relaxing evenings, welcomes you inside where you'll find gorgeous hardwood floors, an impressive open staircase with its original wood railing, a stunning stained-glass window, and beautiful original pocket doors. The spacious main level offers a large family room, private front parlor or den, elegant formal dining room, updated kitchen with stainless steel appliances, and a full bath. Upstairs, you'll find an updated full bath featuring a tiled walk-in shower and soaking tub, along with a spacious primary suite complete with a sun-filled sitting room surrounded by windows-creating the perfect private retreat. The finished walk-up attic provides outstanding space ideal for a rec room, game room, playroom, or hobby area. Overflowing with warmth, charm, and original craftsmanship, this meticulously maintained home offers the character of a bygone era paired with the updates and conveniences today's buyers desire. Located in the heart of Monticello, this is a rare opportunity to own one of the community's truly special homes.

318 E Main Street, Monticello

$339,900

3 Beds ⋅ 3 Baths ⋅ 12716708 MLS ⋅ ACTIVE Status

Welcome home to 7 Sand Lake Court, where peaceful country living meets everyday convenience. Nestled on a beautifully landscaped 0.83-acre cul-de-sac lot in the highly desirable Sand Lake Subdivision, this inviting ranch offers the privacy, mature trees, and outdoor spaces that make you want to slow down and stay awhile. Start your mornings with coffee on the welcoming front porch, spend evenings relaxing in the screened-in patio overlooking the backyard, or gather friends and family around the firepit under the shade of towering trees. Whether you're hosting summer cookouts on the back deck, tinkering in the detached garage/shop, or simply enjoying the quiet surroundings, this property offers a lifestyle that's becoming harder to find. Inside, you'll appreciate the warm, comfortable feel of this 1,603-square-foot home. The spacious living room features a soaring cathedral ceiling and a cozy gas log fireplace that creates the perfect gathering space throughout the seasons. The adjoining country-style kitchen is full of charm with original hardwood flooring, abundant oak cabinetry, generous counter space, included appliances, and a breakfast bar with seating for four that naturally becomes the heart of the home. The adjoining dining area offers plenty of room for family dinners and holiday celebrations. The thoughtfully designed floor plan includes a private primary suite with its own full bath, two additional guest bedrooms, another full bath, and a convenient half bath. The laundry and mudroom offer built-in cabinetry, extra storage, and direct access to the attached two-car garage, making everyday living easy and organized. Outside, the oversized concrete driveway provides ample parking, while the 2-car attached garage and 1-car detached garage/shop offer exceptional space for vehicles, hobbies, lawn equipment, or weekend projects. Located within the Monticello School District, this well-maintained home combines the serenity of rural living with the convenience of being just minutes from town. If you've been searching for a property with room to breathe, beautiful outdoor living spaces, and the warmth that instantly feels like home, this is one you won't want to miss.

7 Sand Lake Court, Monticello

$289,900

3 Beds ⋅ 1 Baths ⋅ 12711090 MLS ⋅ ACTIVE Status

Step into timeless charm with this beautifully maintained classic home, where character and craftsmanship shine throughout. A spacious screened front porch with its classic wood floor and wood ceiling offers the perfect place to relax and enjoy the neighborhood. Inside, original hardwood floors, stunning woodwork and trim, and original windows create a warm, inviting atmosphere filled with historic appeal. Abundant windows throughout the home flood every room with natural light, enhancing its bright and welcoming feel. The spacious living room and formal dining room provide the perfect setting for everyday living and entertaining. The main level features two comfortable bedrooms and a full bath, while the expansive upstairs offers endless possibilities as a third bedroom, home office, den, hobby room, guest retreat, or whatever best suits your lifestyle. Outside, exceptional landscaping surrounds the home, while the brick sidewalk and paver driveway further enhance its storybook charm. The carriage house-style garage perfectly complements the home's classic architecture, creating unforgettable curb appeal. Situated on a meticulously maintained corner lot just moments from downtown Monticello, you'll enjoy easy access to the town's unique shops, restaurants, and community events. A rare opportunity to own a home where timeless character, exceptional care, and an unbeatable location come together in one truly special property.

202 E Washington Street, Monticello

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