Monticello Homes with Waterfront Lot description

Welcome to Monticello, Indiana, a hidden gem nestled in the heart of White County. Known for its picturesque landscapes and vibrant community, Monticello offers a perfect blend of small-town charm and modern amenities. With its stunning lakes, lush parks, and friendly neighborhoods, this city is an ideal destination for families, retirees, and anyone seeking a serene lifestyle.

One of the standout features of Monticello is its breathtaking waterfront properties. Imagine waking up each morning to the soothing sounds of water lapping against the shore, with stunning views right from your window. Homes with waterfront lots in Monticello provide not just a residence, but a lifestyle. Whether you're looking for a cozy cabin by the lake or a spacious family home with ample outdoor space, the options are as diverse as the community itself.

Living on the waterfront means endless recreational opportunities at your doorstep. Spend your days fishing, boating, or simply enjoying the tranquility of nature. The nearby Lake Shafer and Lake Freeman offer a wealth of activities, from swimming to picnicking, ensuring there’s never a dull moment. Monticello's vibrant downtown area is also just a stone’s throw away, featuring charming shops, delicious dining options, and community events that foster a strong sense of belonging.

In Monticello, you’re not just purchasing a home; you’re investing in a lifestyle filled with joy, relaxation, and cherished memories. Discover the allure of waterfront living in Monticello, where every day feels like a vacation. Come explore your dream home today!

Newest Monticello Homes with Waterfront Lot description

$119,900

1 Beds ⋅ 1 Baths ⋅ 202629889 MLS ⋅ 2,160 SqFt. ⋅ Dawn Dilley

Opportunity knock on the Tippecanoe River! Located just down river from the Oakdale dam/bridge and public launch. The property offers 7 lot with 1.241 acres including 211 ft of river frontage. There is a new well that was drilled in 2025 on the property in addtion to a septic system(condition unknown) and electrical service. The home was flood in 2018 and must be raised to meet FEMA, Carroll County Area Plan and DNR requirements. It cannot be inhabited or finished in its current condition. A large RV carport and camper stay with the property. Property is located in the Flood Plane. Cash only. Sold AS IS.

6785 N 1200, Monticello

Listing courtesy of Dawn Dilley from eXp, LLC. 888-611-3912

$414,900

3 Beds ⋅ 2 Baths ⋅ 202629810 MLS ⋅ 1,765 SqFt. ⋅ Kimberly Sut

Lake life is calling! This well-maintained 3-bedroom, 2-bath home offers the perfect combination of comfortable living, extra storage, and easy access to the water. Situated on one of the largest corner lots in the neighborhood, this property includes two parcels, giving you additional space and private lake access just across the street. Inside, you’ll find a spacious layout featuring a welcoming kitchen with a center island, soft-close cabinetry, updated countertops, and plenty of room for gathering. The primary suite includes a private en-suite bathroom, creating a comfortable retreat at the end of the day. Step outside through the double patio doors to an area complete with an electric awning, making it easy to relax and entertain in nearly any weather. The partially fenced backyard provides room for pets, play, gardening, or outdoor enjoyment. Storage is no issue with an attached 2-car garage plus two additional detached garages/storage buildings, offering space for extra vehicles, boats, recreational equipment, or a workshop. An RV electrical hookup adds even more versatility for campers, motorhomes, or specialty equipment. Just across the street, your second parcel provides access to the lake where you can spend your days boating, fishing, swimming, or simply unwinding by the water. The electric boat lift is already in place—just bring your boat—and the private pier is perfect for casting a line, enjoying the views, or watching the sunset. A charming gazebo creates the ideal spot to relax and take in the peaceful lake scenery. Whether you’re looking for a full-time residence, a weekend getaway, or the ultimate lake retreat, this property offers an incredible opportunity to enjoy everything lake living has to offer. With so many features and amenities, this home is truly one you need to experience in person. Schedule your private showing today!

5008 E Shady Point Drive, Monticello

Listing courtesy of Kimberly Sut from Listing Leaders Executive Real Estate Group, LLC. 219-669-6081

$600,000

3 Beds ⋅ 2 Baths ⋅ 202628712 MLS ⋅ 1,568 SqFt. ⋅ Sean Dekker

LAKE FREEMAN, LAKE LEVEL, MAKE IT A DOUBLE! This decades-long family-owned lake retreat awaits new owners to create new memories. 1500+ sf main house offers 3 bedrooms, 1.5 baths, a main level lake-view patio & a 28' deck off of the main bedroom. New HVAC in 2025 & newer pier/dock are nice plus's. Add in the bonus factor of the 450 sf 2 bedroom guest cottage on its own parcel, with kitchen, sun porch, lake-view deck and pier & boat lift. 160' of lake level frontage on an acre make this an ideal opportunity to double-down on Lake Freeman fun for your own family and friends.

10318 N 1200 W, Monticello

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

$775,000

4 Beds ⋅ 3 Baths ⋅ 202626793 MLS ⋅ 2,738 SqFt. ⋅ Sean Dekker

LAKE LIFE FRIENDLY UPDATES & SPACE ALL OVER THIS PLACE! The sharply updated open main level living area allows everyone to be a part of the activities; be it around the XL Quartz kitchen island, or the living room's custom designed stone fireplace. The lake-view bed/bath suite, 3 guest bedrooms & a full bath are nearby to accommodate as well. The LL recreational area provides a 3rd full bath plus easy access to the amazing 800 sf lake view patio for further congregating! More for your outdoor needs thanks to the 14 x 36 lakeside deck, lake level yard (EZ access via the new concrete golfcart driveway), & plentiful pet/kids play-space & parking on the additional 1/2 acre lot included w/garage! Set your sights on Summer with this stylish lake site!

5240 E Wenz Drive, Monticello

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

$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

$124,000

2 Beds ⋅ 2 Baths ⋅ 202626528 MLS ⋅ 952 SqFt. ⋅ Brenda Sprunger

Discover relaxed lake living in this inviting 2-bedroom, 2-bath home on Lake Freeman! Featuring an open floor plan designed for comfortable living and easy entertaining, this home offers a bright, spacious feel throughout. Step outside to enjoy the large deck — perfect for morning coffee, summer cookouts, or unwinding after a day on the water. A storage shed provides extra space for lake toys, tools, and outdoor equipment. Situated on canal water frontage just minutes from the main waters of Lake Freeman, you’ll enjoy quick and convenient access to boating, fishing, and endless recreation. Residents also enjoy fantastic community amenities including a clubhouse and inground swimming pool, adding even more opportunities for fun and relaxation. Whether you’re searching for a full-time residence, weekend retreat, or investment opportunity, this property offers the ideal combination of comfort, convenience, and lake lifestyle living.

11102 N Landings Road, Monticello

Listing courtesy of Brenda Sprunger from Redlow Group. 765-490-5926

$319,900

2 Beds ⋅ 1 Baths ⋅ 202625554 MLS ⋅ 880 SqFt. ⋅ Anthony Cohen

Welcome to your Monticello Summer Getaway! This charming 2-bedroom, 1-bath lake home is the perfect place to relax, entertain, and enjoy everything lake life has to offer. Unwind on the spacious deck overlooking the water, launch your boat from one of two private piers and enjoy Lake Shafer ! Need room for your toys or projects? The impressive 30' x 40' pole barn features electric and a concrete floor, making it ideal for boat storage, a workshop, or extra vehicles. Whether you're looking for a weekend retreat or a year-round home, this property is ready to help you make lasting memories all summer long!

7902 N Crow Drive, Monticello

Listing courtesy of Anthony Cohen from Summerland Realty Group, LLC. 574-707-0075

$329,900

3 Beds ⋅ 1 Baths ⋅ 202625303 MLS ⋅ 1,016 SqFt. ⋅ Bart Hickman

Enjoy all that Lake Shafer has to offer with 75 feet of prime lake frontage, a steel seawall, and a covered permanent boat lift. Whether you’re spending the day on the water, entertaining friends, or simply enjoying the peaceful surroundings, this property offers the perfect lakefront setting. The spacious lakeside deck provides beautiful panoramic views and plenty of room for outdoor dining, relaxing, and taking in unforgettable sunsets over the water. Inside, this charming lake home offers 1016 square feet of comfortable living space, featuring a welcoming living room, separate family room, three bedrooms, one full bathroom, and a fireplace that adds warmth and character. The flexible floor plan provides ample space for gathering with family and guests after a day on the lake. The exterior of both the home and detached garage has been updated with durable LP SmartSide siding, offering attractive curb appeal and low-maintenance living. The oversized 24’ x 28’ (2.5-car) garage provides abundant storage for vehicles, watercraft, tools, and all your lake essentials. With excellent waterfront amenities, beautiful views, and a fantastic Lake Shafer location, this property presents a wonderful opportunity to enjoy the lake lifestyle and create lasting memories for years to come. PROPERTY CAN BE SOLD FULLY FURNISHED.

5599 E Grande Vista Court, Monticello

Listing courtesy of Bart Hickman from REAL ESTATE NETWORK L.L.C. Cell: 574-870-4269

$399,900

4 Beds ⋅ 1 Baths ⋅ 202623691 MLS ⋅ 1,152 SqFt. ⋅ Tracy Vanderwall

8255 N Kiger Drive, Monticello

Listing courtesy of Tracy Vanderwall from RE/MAX Executives. 219-297-4000

$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

$299,900

2 Beds ⋅ 2 Baths ⋅ 202622019 MLS ⋅ 950 SqFt. ⋅ Lawrence Moser

THIS COMPLETELY UPDATED HOME FEATURES ONE AND A HALF BATHS, TWO BEDROOMS, PERMANENT PIERED BOAT AND WAVERUNNER LIFT ALONG WITH YOUR OWN PRIVATE BOAT LAUNCH, INSIDE YOU WILL ENJOY A NEW KITCHEN, NEW FLOORING, STEEL ROOF, ETC. ITS OPEN CONCEPT IS READY TO MOVE RIGHT INTO AND ENJOY THE WATER FUN. COME SEE IT TODAY... SELLER MAY OFFER CONDITIONAL SALES CONTRACT WITH A LARGE DOWN PAYMENT...

8983 N Shepards Park Avenue, Monticello

Listing courtesy of Lawrence Moser from Twin Lakes Real Estate, Inc. Agent: 574-808-8111

$259,900

2 Beds ⋅ 2 Baths ⋅ 202620942 MLS ⋅ 1,536 SqFt. ⋅ Sean Dekker

RIVERFRONT QUIET w/ LAKE FUN NEAR BY IT! This 2-3 Bed / 1.5 bath waterfront home on the North end of Lake Shafer has a laid back river home vibe, but is just mere minutes from the fast-n-fun pace of the lake. Multiple updates, including the kitchen, bathrooms, & living room, & an upper level 30 x 11 "bunk room" w/half bath which is set up so that it can be easily converted to 2 bedrooms or a primary suite. The place to be is the 20 x 12 covered deck off of the living room, overlooking the water & lake level lot with 80' of frontage. A 30 x 12 steel garage, additional storage shed & wrap-around deck top off the outside amenities, while the interior "perks" include this quiet getaway selling mostly furnished! Whatever your waterfront 'wants' may be, this spot has your needs!

9393 N Lenback Court, Monticello

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

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