Monticello KY Real Estate & Homes for Sale

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Beds:
3
Baths:
4.00
Sq.Ft.:
2,281
Status:
Active
MLS#:
26009760
Type:
Single Family
Subdivision:
Rural
Lot size:
1.46 Acres
Year built:
1998
A broker reciprocity listing Courtesy: Weichert Realtors Ford Brothers, Inc. 606-679-2656
View additional info

ADDITIONAL INFORMATION

$25,000 PRICE DROP!!! Beautiful 3-bedroom, 3.5-bath home with stunning mountain views, where comfort, space, and scenic beauty come together. While only 5 miles from town, this spacious property features a thoughtfully designed layout with room to live, work, and relax. A partially finished walkout basement offers excellent flexibility for a bonus living area, home office, or entertainment space. Additional highlights include a 1-car garage and abundant storage throughout the home. Step outside to enjoy a large deck, perfect for entertaining or taking in the breathtaking views, and a closed sunroom that provides a cozy year-round retreat filled with natural light.

Beds:
3
Baths:
1.00
Sq.Ft.:
1,232
Status:
Active
MLS#:
26007898
Type:
Single Family
Subdivision:
West Monticello
Lot size:
0.3 Acres
Year built:
2014
A broker reciprocity listing Courtesy: Premier Properties of Lake Cumberland, Inc. 606-676-0707
View additional info

ADDITIONAL INFORMATION

Back on the market with no fault to the home. USDA APPROVED! Like new! Low bills- ENERGY SAVER! Completely updated, with luxury laminate, this energy efficient home has very low winter electric bills. Home is built with many ecofriendly materials. New Water heater, New Hvac , two new windows, new range, microwave & dishwasher, washer & dryer. Also has 3 nice sized bedrooms with huge closets, large living room, bath, and eat in kitchen. Go ahead and walk out to the back deck. Storage unit stays. ADA handicap accessible throughout with a concrete wheelchair ramp. Motivated sellers! Schedule your tour! Please bring preapproval letter. Let's get you into your new home!

Beds:
3
Baths:
2.00
Sq.Ft.:
924
Status:
Active
MLS#:
26007643
Type:
Single Family
Subdivision:
Bell
Lot size:
0.46 Acres
Year built:
2003
A broker reciprocity listing Courtesy: Weichert Realtors Ford Brothers, Inc. 606-679-2656
View additional info

ADDITIONAL INFORMATION

LOCATION! SPACE! VALUE! Don't miss this awesome opportunity at 565 Bell Lane in Monticello, KY! This 3-bedroom, 2-bath home sits on a .46-acre lot and offers the perfect mix of convenience and functionality. You'll love the detached garage—ideal for parking, hobbies, or a workshop—plus an additional storage shed for all your extras. Enjoy the peace of a quiet setting while being just minutes from town and the stunning Lake Cumberland, perfect for boating, fishing, and relaxing weekends! Whether you're looking for a full-time home, investment, or getaway near the lake, this one checks all the boxes! Act fast—properties in this location don't last long!

Beds:
4
Baths:
3.00
Sq.Ft.:
2,130
Status:
Active
MLS#:
26006968
Type:
Single Family
Subdivision:
Rural
Lot size:
0.37 Acres
Year built:
2025
A broker reciprocity listing Courtesy: No Wake Real Estate 606-753-9253
View additional info

ADDITIONAL INFORMATION

Motivated Seller! 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.

Beds:
3
Baths:
3.00
Sq.Ft.:
2,656
Status:
Active
MLS#:
26006822
Type:
Single Family
Subdivision:
Rural
Lot size:
1.25 Acres
Year built:
1991
A broker reciprocity listing Courtesy: No Wake Real Estate 606-753-9253
View additional info

ADDITIONAL INFORMATION

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.

Beds:
2
Baths:
1.00
Sq.Ft.:
900
Status:
Active
MLS#:
26005932
Type:
Single Family
Subdivision:
Cumberland Ridge Estates
Lot size:
1.32 Acres
Year built:
2021
A broker reciprocity listing Courtesy: Re/Max Country Lakes 606-200-5061
View additional info

ADDITIONAL INFORMATION

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.

Beds:
3
Baths:
3.00
Sq.Ft.:
1,866
Status:
Active
MLS#:
26004533
Type:
Single Family
Subdivision:
Farmington Square
Lot size:
0.52 Acres
Year built:
1988
A broker reciprocity listing Courtesy: Access Realty & Auction 606-348-0140
View additional info

ADDITIONAL INFORMATION

This beautiful 3 bedroom 2 ½ bath brick home has been fully renovated and is waiting on a new owner!! This home offers lots of comfortable living space and might I add an excellent location. The home offers a living room, family room, 2 ½ baths, 3-bedrooms. Large kitchen with new stainless appliances, dining area, washer/dryer area as you come in from 2-car garage that has a new door. All new paint throughout and a new roof on front side of home with back being only 2 years old. Also, at back of home is a large, covered patio, and a large 38x14 storage sheds/workshop area. The home sits at the end of a street with cuddle sac. This home is a must see and again offers the excellent location between Monticello and Somerset.

Beds:
4
Baths:
3.00
Sq.Ft.:
2,500
Status:
Active
MLS#:
26001924
Type:
Single Family
Subdivision:
Rural
Lot size:
1.89 Acres
Year built:
1985
A broker reciprocity listing Courtesy: Weichert Realtors Ford Brothers, Inc. 606-679-2656
View additional info

ADDITIONAL INFORMATION

$15,000 PRICE DROP!!!! MOTIVATED SELLERS!!!! Well-maintained and thoughtfully improved, this 4BR/3BA home blends comfort with serious garage functionality and country living. The kitchen showcases hardwood maple cabinets, custom tile work, appliances only three years old and updated flooring spans three bedrooms and the front hallway. Choose one of two jacuzzi tubs for relaxation after a day of outside adventures. Enjoy outdoor spaces anchored by a 30' x 20' concrete pad with RV power outlet outside the garage to plug in your RV/camper. Then a lighted gazebo with gravel walkways connecting the house, gazebo, and 30 x 60 insulated garage—including clean access across the garage frontage. The versatile garage property offering excellent potential for commercial use or home-based business. Ideal for workshop, automotive, contractor space, storage, or small service operation. Functional layout with convenient access. Great opportunity to own your workspace! Garage doors are automatic with openers, complemented by new exterior garage lighting and gutter guards were installed throughout the home. The garage is uniquely equipped with a separate electrical meter, RV hookup, multiple 220V plugs, custom-built barn doors, finished interior walls, loft for storage and a tool room beneath the loft. The finished walk out basement is a great place for a man cave, game room for kids or 5th bedroom with its own bathroom. There is also a doggie door in the laundry room with a fenced in dog run too. There is also a well for a secondary source of water. Little South Fork of Cumberland River and the famous Green Ford swinging bridge is nearby.

Beds:
2
Baths:
1.00
Sq.Ft.:
936
Status:
Active
MLS#:
25508315
Type:
Single Family
Subdivision:
Rural
Lot size:
0.32 Acres
Year built:
1965
A broker reciprocity listing Courtesy: No Wake Real Estate 606-753-9253
View additional info

ADDITIONAL INFORMATION

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.

Beds:
3
Baths:
3.00
Sq.Ft.:
3,402
Status:
Active
MLS#:
25503942
Type:
Single Family
Subdivision:
Bartonville
Lot size:
1.35 Acres
Year built:
1985
A broker reciprocity listing Courtesy: Re/Max Country Lakes 606-200-5061
View additional info

ADDITIONAL INFORMATION

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.

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Andrea D. Conner, License 221773, Xome Inc., License 239054, [email protected], 844-400-XOME (9663), 1795 Alysheba Way, Suite 102, Lexington, KY 40509


The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of Lexington Bluegrass Multiple Listing Service. The Broker providing this data believes them to be correct but advises interested parties to confirm them before relying on them in a purchase decision. Copyright 2026 Lexington Bluegrass Multiple Listing Service. All rights reserved.



Monticello Real Estate

Monticello is located in Kentucky. Monticello, Kentucky has a population of 5,782. Monticello is more family-centric than the surrounding county with 41.15% of the households containing married families with children. The county average for households married with children is 30.16%.

The median household income in Monticello, Kentucky is $40,477. The median household income for the surrounding county is $41,237 compared to the national median of $69,021. The median age of people living in Monticello is 38.7 years.

Monticello Weather

The average high temperature in July is 86.2 degrees, with an average low temperature in January of 24.7 degrees. The average rainfall is approximately 51.5 inches per year, with 9.3 inches of snow per year.

Monticello Map

Monticello Real Estate Market Conditions

  • Median sales price

    $190,000
    16.7%
    change since last quarter
  • # Active listings

    161
    30-day change

Monticello Schools and Demographics

Education near Monticello, KY

City County
High School Graduates 76.08 77.19
College Degree - 2 year 6.44 5.6
College Degree - 4 year 13.97 15.9
Graduate Degree 5.76 5.2
Expenditures per Student 14,482 14,482
Students per Teacher 16.2 16.2

Elementary Schools near Monticello, KY

Grades Students P/T Ratio ZIP
Albany Elementary School 01 - 04 521 15.7 42602
Bell Elementary School 01 - 02 490 15.7 42633
Clinton County Early Childhood Center PK - KG 269 19.9 42602
Jamestown Elementary School PK - 05 493 15.3 42629
Monticello Elementary School 01 - 05 739 17.1 42633
Nancy Elementary School PK - 05 398 14.1 42544
Walker Early Learning Center PK - KG 433 14.9 42633

Middle Schools near Monticello, KY

Grades Students P/T Ratio ZIP
Clinton County Middle School 05 - 08 502 16.8 42602
McCreary County Middle School 07 - 08 446 17.6 42647
Strode Station Elementary School KG - 05 0 16 42602
Trapp Elementary School KG - 05 0 10.5 42602
Wayne County Middle School 06 - 08 745 15.1 42633

High Schools near Monticello, KY

Grades Students P/T Ratio ZIP
Clinton County High School 09 - 12 492 18 42602
McCreary Central High School 09 - 12 745 16.4 42647
Wayne County High School 09 - 12 944 19.9 42633

Ungraded Schools near Monticello, KY

Grades Students P/T Ratio ZIP
* Foothills Academy 07 - 12 72 9 42602
* Lake Cumberland Youth Development Center 08 - 12 35 8.8 42633
* McCreary Central Academy 09 - 12 35 14 42647
Clinton County Area Technology Center UG - UG 0 42602
Otter Creek Academy 06 - 12 43 10.8 42633
Wayne County Area Technology Center UG - UG 0 42633
Wayne County Learning Academy 08 - 10 9 4.5 42633

Demographics near Monticello, KY

City County
Neighborhood Type Small Town
Population 5,782 19,743
Population Density 985 43
Median Age 38.7 43.2
People per Household 2.5 2.5
Median Household Income 40,477 41,237
Average Income per Capita 18,416 25,839

Real estate near Monticello