Monticello Homes under $400,000

Welcome to Monticello, Minnesota—a charming city nestled in the heart of Wright County, where small-town warmth meets modern convenience. Just a short drive from the Twin Cities, Monticello offers a unique blend of serene suburban living and easy access to urban amenities, making it an ideal destination for families, professionals, and retirees alike.

Monticello is known for its beautiful parks, vibrant community events, and a strong sense of belonging. With a population of around 13,000, this welcoming city boasts a variety of recreational opportunities, including the scenic Mississippi River, which provides ample options for fishing, boating, and picnicking. The city also features a robust educational system, with highly-rated schools and a commitment to fostering a nurturing environment for students.

For those seeking a home in this picturesque locale, you’ll be delighted to discover a range of properties available for under $400,000. Monticello offers an impressive selection of charming single-family homes, townhouses, and cozy condos that cater to diverse tastes and lifestyles. Whether you’re looking for a starter home with a spacious yard or a modern townhouse with easy access to amenities, Monticello has something for everyone.

Explore the vibrant neighborhoods, enjoy the friendly community spirit, and embrace the peaceful lifestyle that Monticello has to offer. With its affordable housing options and a plethora of outdoor activities, it’s no wonder that Monticello is becoming one of the most sought-after areas in Wright County. Discover your dream home in Monticello today!

Newest Monticello Homes under $400,000

$370,000

4 Beds ⋅ 3 Baths ⋅ 7150809 MLS

Welcome to this beautifully updated home in Monticello's highly desirable Groveland Addition! Move right in and enjoy fresh paint, updated light fixtures, and cabinet hardware throughout. The functional layout features three bedrooms on the upper level, plus a spacious lower-level bedroom that could make a fantastic primary suite, guest room, or home office. Cozy up by the gas fireplace in the family room or head outside to enjoy the spacious, fully fenced backyard—perfect for entertaining friends and family, while providing plenty of room for kids and pets to safely play. An in-ground sprinkler system controlled by smart Wi-Fi controller make maintaining the beautiful yard a breeze. And don't miss the heated garage-it's packed with must-see extras that hobbyists, gearheads, and anyone looking for a great workspace and storage will appreciate. Conveniently located near parks and area amenities, this home offers plenty of space inside and out. There are simply too many extras to list-come see everything this property has to offer! Security system and cameras will monitor 360 degrees around the house at all times.

3765 Woodside Drive, Monticello

Listing courtesy of Edina Realty, Inc..

$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..

$379,900

4 Beds ⋅ 2 Baths ⋅ 7151206 MLS

Cul-de-sac living with no neighbors directly behind! This spacious 4-level split features 4 bedrooms, 1 full and 1 ¾ bath with a walkout lower level. Enjoy a large family room with a cozy fireplace and bar area, plus a great backyard with added privacy. The concrete driveway offers extra parking alongside the garage. The impressive 3-stall garage is insulated, sheetrocked, heated, and 25 feet deep—perfect for vehicles, toys, storage, or a workshop! New Roof and siding July 2022

9711 Woodcrest Court, Monticello

Listing courtesy of AXEN Realty.

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.

$394,900

5 Beds ⋅ 2 Baths ⋅ 7138463 MLS

Welcome to 8676 Fairhill Lane, where thoughtful updates, flexible living space, and an incredible backyard come together! This spacious home now offers five bedrooms and two bathrooms, providing plenty of room for everyday living, guests, a home office, or hobbies. Major improvements include a new roof in 2023, new siding in 2024, and a new water heater in 2024, giving you peace of mind for years to come. Step outside and get ready to enjoy summer on the gorgeous patio, complete with a TV mount for outdoor movie nights and game days, plus a 220V hookup ready for a future hot tub. The irrigation system helps keep the yard looking its best, while the large backyard hockey rink delivers unforgettable winter fun and can either stay or be removed to create even more usable green space. Located near schools, shopping, dining, the Mississippi River, and Monticello’s many parks and trails, including Bertram Chain of Lakes Regional Park, this home offers year-round recreation and everyday convenience. With five bedrooms, valuable exterior updates, and an outdoor space designed for Minnesota living, this is one you will not want to miss!

8676 Fairhill Lane, Monticello

Listing courtesy of eXp Realty.

$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.

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