Monticello Homes under $350,000

Welcome to Monticello, Minnesota—a charming city nestled in Wright County, where small-town charm meets modern convenience. With its picturesque landscapes, friendly community, and vibrant local culture, Monticello is an ideal place for families, retirees, and anyone looking to embrace a serene lifestyle without sacrificing access to urban amenities.

One of the standout features of Monticello is its affordability in the housing market. For those seeking homes under $350,000, you’ll find a variety of options that cater to diverse tastes and needs. From cozy single-family homes perfect for first-time buyers to spacious townhouses with modern finishes, Monticello’s real estate offerings are both appealing and accessible. The city’s commitment to maintaining a welcoming environment ensures that you’ll not only find a beautiful home but also a supportive community.

Monticello boasts an array of parks, recreational activities, and local events that foster a close-knit atmosphere. Enjoy the scenic beauty of the Mississippi River, explore the numerous walking trails, or participate in community festivities throughout the year. With excellent schools, shopping centers, and dining options just a stone's throw away, Monticello provides the perfect blend of tranquility and convenience.

Whether you’re looking to start a new chapter, invest in a family home, or simply enjoy the beauty of Minnesota living, Monticello is a hidden gem waiting for you. Discover the charm and affordability of this delightful city—your dream home awaits!

Newest Monticello Homes under $350,000

$339,900

3 Beds ⋅ 2 Baths ⋅ 7155018 MLS

Welcome home! This beautifully updated property offers 3 bedrooms on one level, plus an added laundry room to make laundry day a breeze. The finished basement provides even more living space and spacious tiled 3/4 shower. Other projects completed - new LVP flooring throughout, updated kitchen granite countertops. Step outside to enjoy peaceful views as the backyard backs up to a pond and wooded area—offering privacy and a beautiful natural backdrop. NEW CARPET COMING SOON// Duct Cleaning Complete September 2026

9379 Goodrich Drive, Monticello

Listing courtesy of Reliance Realty Advisers, LLC.

$295,000

3 Beds ⋅ 2 Baths ⋅ 7154777 MLS

Enjoy scenic Mississippi River views right from your living room! This charming, move-in ready 3-bedroom, 2-bathroom home sits on an extra-large, mature city lot and delivers the ideal blend of modern comfort, major updates, and exceptional outdoor living in the heart of Monticello. Step inside to a bright and welcoming interior featuring fresh paint throughout, brand-new carpeting, and timeless hardwood floors across the bedrooms. The kitchen is outfitted with contemporary European-style cabinetry, stainless steel appliances, sink with removable trays and racks, integrated hidden drawer-style dishwasher! The heavy lifting has already been done with an extensive list of big-ticket improvements for complete peace of mind: • New roof installed in 2024 • Newer furnace & central air conditioning • Newer water heater & newer kitchen appliances • Freshly reinsulated attic for maximum year-round energy efficiency and lower utility bills Head outside to your own backyard retreat. The expansive concrete patio is tailor-made for warm-weather barbecues, relaxing evening get-togethers, and entertaining friends and family. The mature lot offers plenty of open green space for gardening, recreation, or pets. You will also love the oversized backyard,10x12 storage shed, generously sized to store your riding mower, snowblower, yard equipment, and all your outdoor tools without cluttering the garage. The attached garage also includes a convenient car plug-in / battery charging adapter ready for your electric or hybrid vehicle. The location cannot be beat for recreation, community convenience, and daily living: • Just steps from Ellison Park along the Mississippi River, where you can take advantage of the public boat launch, river access, playgrounds, shaded picnic pavilions, and scenic walking paths. • Minutes from Montissippi County Park and the premier Bertram Chain of Lakes Regional Park, featuring miles of singletrack mountain bike trails, hiking paths, swimming beaches, paddling, and year-round nature recreation. • Close to the Monticello Community Center, offering an indoor pool and waterpark, fitness center, indoor track, and ice arena. • Excellent educational options within the Monticello Public School District (ISD 882). • Effortless everyday commute with quick, easy access to Interstate 94, downtown Monticello dining, shopping, grocery stores, and medical facilities. With its breathtaking river views, high-value mechanical and structural updates, and generous yard space, this turnkey home is completely ready for you to move in, unpack, and enjoy!

718 E River Street, Monticello

Listing courtesy of Luke Real Estate.

$245,000

3 Beds ⋅ 2 Baths ⋅ 7154770 MLS

Picture perfect, completely move-in ready, and nestled in the heart of Monticello! This beautifully remodeled 3-bedroom, 2-bath, end unit townhome offers fresh, modern updates throughout. The main level features a spacious primary bedroom with a private ¾ bath, along with new flooring, fresh paint, and new appliances. The kitchen offers soft-close drawers, a walk-in pantry, and a clean, updated look, while the inviting living area features an electric fireplace, perfect for cozy evenings at home. Convenient main-level laundry with washer and dryer included. Every detail has been thoughtfully updated, making this home truly turn-key. Enjoy the absolute best of Monticello living—you are just minutes from the vibrant downtown dining scene, excellent shopping, and the expansive Mississippi River park system. Take advantage of nearby Bertram Chain of Lakes Regional Park for hiking, swimming, and winter swan viewing, or enjoy the top-tier Monticello Community Center. Plus, an easy commute to both St. Cloud and Minneapolis via quick I-94 access makes this location unbeatable. Don’t miss this absolutely beautiful townhome!

6984 91st Street NE, Monticello

Listing courtesy of Luke Real Estate.

$270,000

2 Beds ⋅ 4 Baths ⋅ 7152742 MLS

Welcome home to this spacious and beautifully maintained townhome offering comfort, convenience, and plenty of room to spread out! The huge primary bedroom provides a true retreat, complete with a private ensuite bathroom and his-and-hers closets for exceptional storage. The main level features convenient laundry, making everyday living a breeze. With 4 bathrooms throughout the home, there’s plenty of space and privacy for family and guests. The walkout basement offers additional living space and easy access to the outdoors, providing flexibility for a family room, home office or recreation area. Major updates provide added peace of mind, including a new furnace and A/C in 2021. The dishwasher, washer, dryer, and stove are all new within the past five years, adding modern convenience to this move-in-ready home. With its spacious primary suite, abundant closet space, four bathrooms, walkout basement, and numerous recent updates, this townhome is ready to welcome its next owner!

149 Riverview Drive Unit 6, Monticello

Listing courtesy of Realty ONE Group Choice.

$340,000

3 Beds ⋅ 3 Baths ⋅ 7151489 MLS

Welcome to life on the Mississippi! Set along the river in Monticello, this home offers a front-row seat to one of Minnesota's most beautiful natural settings. From the large living room picture window, four-season porch, and library, enjoy peaceful river views and watch swans, ducks, geese, and other wildlife make their way along the water. The home itself is ready for its next chapter. While some finishes reflect an earlier era, the spaces, setting, and views provide a wonderful opportunity to bring your own ideas and style to a home in a location that simply can't be recreated. An added bonus is the second full kitchen in the lower level, providing wonderful flexibility for entertaining, hosting extended family or overnight guests, or simply enjoying the convenience of a second gathering space. PLUS, you'll also find a heated shop for the person who loves to tinker or garden! Imagine morning coffee overlooking the river, quiet evenings in the four-season porch, or curling up with a book while watching the seasons change outside your window. And while the setting feels peaceful and tucked away, you're still conveniently located with easy access to major roads, shopping, dining, and everything Monticello has to offer. If you've been searching for a riverfront property with character, versatility, beautiful views, and the opportunity to make it your own, 245 Mississippi Drive is ready for you.

245 Mississippi Drive, Monticello

Listing courtesy of Edina Realty, Inc..

1201 Golf Course Road Unit 204, Monticello

$339,000

2 Beds ⋅ 3 Baths ⋅ 7146885 MLS

Rare opportunity for golf course living at Monticello Country Club! Perfectly positioned along the 9th green, this beautifully maintained townhome combines incredible views, privacy, and easy main-level living in a setting that is hard to beat. Step inside and you’ll immediately notice the soaring vaulted tongue-and-groove ceilings, warm natural light, and beautiful views overlooking the course. The inviting main level features a main-floor laundry, and a spacious primary suite—giving you everything you need for comfortable one-level living. One of the best features of this home is the flexibility! With 2 bedrooms, 3 bathrooms, two primary suites, and a lofted family room, there is plenty of space for guests, a home office, or additional living space. The lower level also offers fantastic potential to add bedrooms, a recreation room, or whatever fits your lifestyle—all while still providing plenty of storage. And for the golf lover, it doesn’t get much better than this! Enjoy your morning coffee overlooking the 9th green, then hop in your golf cart and head right around the corner to the first tee. Numerous updates have been done making this home turn-key! New carpet, paint stainless stell appliances, light fixtures, faucets, toilets and so much more! With a location directly on the course, this is a special opportunity to enjoy the Monticello Country Club lifestyle. Come see why this one stands out!

1201 Golf Course Road Unit 204, Monticello

Listing courtesy of Keller Williams Classic Rlty NW.

$299,900

2 Beds ⋅ 2 Baths ⋅ 7150187 MLS

Spacious main-level living with no HOA dues! Large wooded lot with fenced yard. Just under 1-acre privacy. Generous primary bedroom on main level, along with second main level bedroom, laundry room, large kitchen/dining area opening to deck and living room with bamboo flooring. All newer appliances and mechanicals, fresh paint and all newer luxury vinyl flooring. Attached deep 2 car garage plus large storage shed. Basement rough-in for future bathroom.....Don't miss!

1005 Golf Course Road, Monticello

Listing courtesy of RE/MAX Results.

$319,900

4 Beds ⋅ 2 Baths ⋅ 7148815 MLS

A Great Place to Start—and Make Your Own! This inviting 4-bedroom, 2-bath split-level offers a bright, functional layout and plenty of opportunity to add your personal style. A newer roof (September 2024) provides added peace of mind, while the large deck and expansive backyard create a great setting for summer BBQs, gatherings, or simply enjoying the outdoors. The lower level offers additional living space and a blank canvas for your ideas. Adding new carpet, fresh paint and a few personal touches could give the space a whole new look and feel. Whether you’re looking for a great starter home or a place where you can build equity and make updates over time, this home offers flexibility and potential. Conveniently located near shopping, dining, parks, trails, and everyday amenities. Bring your ideas, add your own touches, and make this home yours! (Some photos have been virtually staged to illustrate potential uses and finishes of the lower-level space.)

1808 W River Street, Monticello

Listing courtesy of Julie Hubbell Real Estate.

$330,000

3 Beds ⋅ 2 Baths ⋅ 7146140 MLS

Welcome to this inviting split-level home in Monticello, ideally situated on a lot that backs up to a peaceful wetland area. The fenced backyard offers privacy and a natural setting, while the two-car garage provides convenient parking and storage. The upper level features an open-concept layout with the kitchen, dining area, and living room flowing seamlessly together—perfect for everyday living and entertaining. The dining area includes a patio door leading to the backyard offering the opportunity to add a future deck. Two bedrooms are located upstairs, including the primary bedroom with convenient access to the full hallway bathroom. The lower level adds valuable living space with a generously sized family room and recreation area, complete with a walkout to the fenced backyard. Also on this level is the third bedroom and a 3/4 bathroom featuring a beautiful tiled shower and an additional vanity area. Much of the interior has been freshly painted, giving the home a clean, refreshed feel. And for added peace of mind, the sellers will install a new roof prior to closing and purchase a 1 year home warranty plan for the buyers.

9578 River Forest Drive, Monticello

Listing courtesy of Keller Williams Classic Rlty NW.

$315,000

3 Beds ⋅ 2 Baths ⋅ 7147035 MLS

OWNER FINANCE ONLY at a 5% interest rate 30 year fixed with no prepayment penalty. No credit check, just proof of employment! Welcome to this stunning 3 bedroom, 2 bathroom dream home. Upon entering, you will be greeted by a gracious foyer that leads into a spacious and open floor plan. The main level boasts a sun-drenched living room, perfect for entertaining guests. Wood-looking luxury vinyl plank floors and an abundance of natural light create a warm and inviting atmosphere throughout. Escape to the serene master suite, complete with a ensuite shared bathroom and a sizeable walk-in closet. The third bedroom is downstairs with its own bathroom and a game room provide plenty of space for family, guests, or the option for a home office. Conveniently located near shopping centers, and major transportation routes, this home offers the perfect blend of luxury and practicality. Zoned to highly sought-after. Don't miss out on the opportunity to make this amazing home yours.

8526 Gateway Circle, Monticello

Listing courtesy of Northstar Real Estate Associates.

$315,000

3 Beds ⋅ 1 Baths ⋅ 7147033 MLS

3 bed townhome that is move in ready! SS Appliances. 2 bedrooms up and 1 in the lower level.

8520 Gateway Circle, Monticello

Listing courtesy of Northstar Real Estate Associates.

$74,900

3 Beds ⋅ 2 Baths ⋅ 7122335 MLS

Welcome to this updated 3-bedroom, 2-bathroom double-wide home in The Meadows MHC, situated on one of the larger lots within the community with an open setting and no home directly behind you. Fresh paint throughout gives the interior a bright, refreshed feel, while the open layout creates an easy flow between the main living spaces and plenty of room to settle in and make it your own. Step outside and you’ll find even more space to enjoy, starting with the large 25x14 front deck and accessibility ramp that provides easier entry into the home. Out back, the open grassy area behind the property creates additional breathing room and a more private feel, with a fire pit ready for evenings outside. The primary suite adds a unique convenience for pet owners, with a doggy door leading directly from the primary bathroom into a private 16x6 fenced pet area. A storage shed with electricity provides additional space for tools, hobbies, or storage, while central heat and A/C, supplemental window A/C in the primary bedroom, and a two-car parking pad round out the home’s practical features. Located just minutes from Monticello shopping, dining, and major routes, this is a rare opportunity to enjoy one of the community’s larger lots with the space and flexibility to truly make it your own. Come take a look and see what this home has to offer!

9127 MN-25 Unit #121, Monticello

Listing courtesy of Keller Williams Integrity NW.

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