Monticello Homes under $400,000

Welcome to Monticello, a charming city nestled in the heart of Minnesota, where small-town warmth meets vibrant community spirit. Known for its picturesque landscapes and friendly atmosphere, Monticello offers residents a perfect blend of nature and suburban convenience. With its rich history and a plethora of outdoor activities, including parks, trails, and the scenic Mississippi River, there's no shortage of ways to enjoy the great outdoors.

For those looking to plant roots in this delightful city, Monticello boasts a diverse selection of homes, many of which are available for under $400,000. This makes it an ideal destination for first-time homebuyers, families, and anyone seeking an affordable slice of Minnesota living without compromising on quality. From charming single-family homes to cozy townhouses, there’s something for every taste and budget.

Imagine coming home to a beautifully maintained property, where you can unwind in your spacious backyard or enjoy the comforts of a modern kitchen. Monticello’s real estate market is thriving, with homes that not only offer great value but also reflect the community's commitment to quality living. Residents here enjoy access to excellent schools, vibrant local shops, and a variety of dining options, making it easy to embrace the Monticello lifestyle.

Whether you’re drawn by the allure of its scenic beauty or the welcoming community vibe, Monticello invites you to explore its homes under $400,000. Discover your dream home in this idyllic city and become part of a community that truly feels like home.

Newest Monticello Homes under $400,000

$304,900

3 Beds ⋅ 3 Baths ⋅ 12774087 MLS ⋅ ACTIVE 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

$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

$259,900

4 Beds ⋅ 2 Baths ⋅ 12715307 MLS ⋅ PRICE CHANGE 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

$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

$239,900

2 Beds ⋅ 1 Baths ⋅ 12573099 MLS ⋅ ACTIVE Status

Nestled just across from the breathtaking beauty of Allerton Park & Retreat Center, this one-of-a-kind country property offers the perfect blend of character, space, and peaceful rural living. Originally built in 1919 as a schoolhouse and thoughtfully converted into a residence in 1947, this truly unique home is filled with charm. Situated on a beautifully wooded 1/2-acre lot, this 2-bedroom home offers over 1,500 square feet of living space plus a basement with a workshop and storage areas. Inside, you'll find soaring ceilings and large windows that invite natural light while showcasing the surrounding mature trees and tranquil setting. The property continues to impress outdoors with a heated 3-car garage, a lofted barn full of possibilities, an additional storage shed, and multiple spaces to relax, create, garden, or entertain. The enclosed back porch provides the perfect place to unwind and enjoy the peaceful scenery year-round. Whether you're searching for a distinctive primary residence, a weekend retreat near Allerton Park, or a property with creative and hobby-farm potential, this home offers a rare opportunity to own a piece of local history in an unforgettable setting. Schedule your private showing today!

483 E 1300 North Road, Monticello

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