Monticello Homes with Waterfront-High Bank Lot description

Welcome to Monticello, Indiana – a hidden gem nestled in the heart of White County! This charming city is renowned for its picturesque landscapes, friendly community, and vibrant local culture. With its stunning waterfront properties, Monticello offers a unique blend of small-town charm and natural beauty, making it an ideal destination for those seeking a tranquil lifestyle.

One of the standout features of Monticello is its breathtaking waterfront-high bank lots. These properties provide the perfect vantage point to enjoy panoramic views of the serene waters, making every sunrise and sunset a spectacular experience. Imagine waking up to the gentle sounds of nature, with the shimmering lake just steps away from your door. These high bank lots not only offer an elevated perspective but also provide a sense of privacy and seclusion, allowing you to fully immerse yourself in the beauty of your surroundings.

Whether you are looking for a cozy cottage, a spacious family home, or a luxurious retreat, Monticello’s waterfront properties cater to a variety of tastes and lifestyles. The community is rich in recreational activities; from boating and fishing to hiking and biking, there’s no shortage of ways to enjoy the great outdoors. Plus, with a welcoming atmosphere and a range of local amenities, you’ll find everything you need right at your fingertips.

If you’re ready to embrace a life of tranquility and adventure, Monticello’s waterfront-high bank lots are waiting for you. Discover your dream home in this idyllic city and experience the perfect blend of nature and community!

Newest Monticello Homes with Waterfront-High Bank Lot description

$287,900

2 Beds ⋅ 2 Baths ⋅ 202626591 MLS ⋅ 770 SqFt. ⋅ Jill Coble

Lake Shafer Living Awaits! Wake up to breathtaking waterfront views from this charming 2-bedroom, 1.5-bath lake home offering 58 feet of Lake Shafer frontage. If you’re looking for a weekend getaway, or your own year-round retreat, this turnkey property is ready to enjoy. Inside, you’ll find a comfortable layout complete with a bonus room that’s perfect for additional sleeping space, a home office, or recreation area. Step outside to the waterfront porch, the ideal place to sip your morning coffee or unwind while taking in the peaceful lake views. The shoreline offers a covered boat lift and an upper-level sun deck, creating the perfect space to relax, entertain, or watch spectacular sunsets over the water. Don’t miss your opportunity to own a slice of waterfront paradise!

3826 E Forest Lodge Loop, Monticello

Listing courtesy of Jill Coble from REAL ESTATE NETWORK L.L.C. cell: 574-297-7977

$565,000

4 Beds ⋅ 3 Baths ⋅ 202622934 MLS ⋅ 3,278 SqFt. ⋅ James Mann

Freshly painted four-bedroom home with two full baths with a house that boasts an open great room plus much more! Located on the northern end of Lake Freeman past the Madam Carroll and the Sportsman Inn this property has approximately 110 feet of waterfront. The home has 2,537 square feet of finished area and a 741 square foot basement which could for the kids, a den, or a hobby room. Furnace installed in 2024, roof replaced in 2016, and some trees were cleared on the water side in 2025. Screened porch attached to the back of the house as you walk from the kitchen area. Attic access from the garage and from an upstairs bedroom.

500 E Ohio Street, Monticello

Listing courtesy of James Mann from REAL ESTATE NETWORK L.L.C. Cell: 574-870-0044

$494,900

4 Beds ⋅ 3 Baths ⋅ 202617075 MLS ⋅ 2,708 SqFt. ⋅ Sean Dekker

TRUE BLUE AMAZING LAKE VIEWS! Imagine waking up to incredible lake views & then enjoying them with your morning coffee from your bedroom’s private covered lake deck! This 4 Bed / 2.5, 2300+ sf year-round Lake Shafer home features a Bed/Bath combo w/a private lake-view deck on both the main & lower level, a large, open, living & dining area w/fireplace, a cheerful sunroom off of the kitchen, & guest bath with laundry. Enjoy the expansive sights from any one of the multiple decks along your 100+ feet of shoreline or take to the lake from the permanent boat lift. Located in one of the nicest locales on Lake Shafer, this is truly an amazing site for your lake life!

2951 N Lakeshore Drive, Monticello

Listing courtesy of Sean Dekker from REAL ESTATE NETWORK L.L.C. 574-583-8181

$439,900

4 Beds ⋅ 3 Baths ⋅ 202616437 MLS ⋅ 2,378 SqFt. ⋅ Gregory Vogel II, Gri

Lake Freeman Brick ranch on Double lot with 200+ ft. of Frontage. Partial finished basement with full bath and living area. Quality build and finish with full brick exterior. Main bedroom suite has a cedar walk-in closet, dual sinks. Living Room has a nice gas fireplace with brick hearth, sliding patio doors to back deck, wet bar for evening night cap. Exterior has; back deck and lakeside deck, stairs to water, a nice courtyard with paved walkways, fenced yard, irrigation system for lawn. 12x20 matching exterior shed with concrete floors/electric and shelving. Attached garage is heated with a garden sink. Whole House Generator Stays with purchase. Updates include; replacement windows, high eff. gas furnace/central a/c, updated water heater, Kinetico Water Softener. Unique View of Upper Lake Freeman , Eagles are active on this portion of Lake. Desirable Royal Oaks Subdivision.

1828 N Royal Oaks Drive, Monticello

Listing courtesy of Gregory Vogel II, Gri from VOGEL REAL ESTATE. gvogeljr@vogel-real-estate.com

$185,000

2 Beds ⋅ 1 Baths ⋅ 202608491 MLS ⋅ 864 SqFt. ⋅ Jesse Douglass

Waterfront House that needs a little TLC. It has a full unfinished walk-out basement where the master bedroom was, but has been gutted and is ready for the new owners to customize as they see fit. The main level has the Kitchen, Living room, 1 bedroom, bathroom, and a 6x14 all-seasons front entry room. The waterfront is not developed, and the new owner will need to install stairs; however, there is a 50-foot-wide waterfront with a steel seawall. The unfinished basement was gutted so that the new plumbing, central heat & a/c furnace, 100amp electrical could be updated! It has natural gas through NIPSCO, electricity through REMC, and sewage grinder through TLRSD. It has a shared well with the adjacent neighbor to the West, but all other utilities are on its own and not shared.

6021 E Liberty Drive, Monticello

Listing courtesy of Jesse Douglass from Family Realty Group. 574-583-3374

$360,000

3 Beds ⋅ 1 Baths ⋅ 202608478 MLS ⋅ 1,288 SqFt. ⋅ James Tonnsen

Experience lakefront living on the calm waters of Lake Shafer in this completely updated 3-bedroom, 1-bath home offering panoramic water views and effortless comfort. Thoughtfully renovated from top to bottom, this move-in ready property blends modern finishes with relaxed waterfront charm. Enjoy the light-filled interior designed to showcase the stunning lake backdrop, along with a remodeled kitchen, new flooring, fixtures, and finishes throughout including a new vinyl fence to keep your four legged family members nearby. There is also a pump at the edge of the water for irrigation. Step outside to take in peaceful mornings by the water and evenings reflecting off the shoreline. Whether used as a full-time residence or weekend retreat, this property delivers the ideal blend of style, function, and setting. The two drive on jet ski docks are an added bonus with this home. With too many improvements to list and nothing left to do but move in, this Lake Shafer gem is ready to be enjoyed. This home comes furnished, making sure you are able to enjoy the lake ASAP!

3884 E Forest Lodge Loop, Monticello

Listing courtesy of James Tonnsen from Trueblood Real Estate. Agt: 864-449-4309

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