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. With its picturesque landscapes and friendly community, Monticello offers a delightful place to call home. The city is ideally situated along the banks of the Mississippi River, providing residents with stunning views and ample opportunities for outdoor recreation, including parks, trails, and water activities.

Monticello is known for its vibrant community spirit, hosting numerous events throughout the year, such as the Monticello Riverfest and local farmers' markets, where you can savor fresh produce and handmade goods. Families will appreciate the excellent educational opportunities provided by the Monticello School District, which is dedicated to fostering a nurturing environment for students of all ages.

For those seeking a home in this idyllic setting, Monticello boasts a variety of properties available for under $400,000. Whether you’re looking for a cozy single-family home, a spacious townhome, or a charming starter house, you’ll find plenty of options that cater to diverse lifestyles and budgets. These homes often feature modern amenities, beautiful yards, and convenient access to local shops, restaurants, and recreational facilities.

With its welcoming atmosphere, strong sense of community, and affordable housing options, Monticello is the perfect place for first-time homebuyers, families, and retirees alike. Explore this hidden gem in Minnesota, and discover why so many are choosing to make Monticello their home sweet home!

Newest Monticello Homes under $400,000

$330,000

COMING SOON Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 7158742 MLS ⋅ 1,752 SqFt.

Well kept side by side, one level duplex on a very nice corner lot. Unit 231 us currently occupied and unit 233 is now vacant. Unit 233 does have a deck, partially fenced in back yard with a shed and fire pit area. Unit 231 has a side deck with a shed in the backyard. Financial remarks are provided by the seller. Dimensions have been taken off of the original blueprints and the plan is available upon request.

231 Marvin Elwood Road, Monticello

Listing courtesy of Edina Realty, Inc..

$312,900

ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 7158065 MLS ⋅ 1,709 SqFt.

The perfect blend of style, comfort, and low-maintenance living awaits in this beautifully designed Forestview townhome by JP Brooks in Monticello's growing Meadowbrook community. From the moment you step inside, you'll appreciate a home that's designed to make everyday living feel effortless. The open-concept main level creates an inviting space where conversations flow easily from the kitchen to the dining area and great room, making everything from weeknight dinners to weekend gatherings feel connected. The kitchen is both beautiful and functional, featuring quartz countertops, stainless steel appliances, luxury vinyl plank flooring, painted on-site millwork, and thoughtfully selected finishes that offer timeless style with everyday durability. Whether you're meal prepping, entertaining friends, or simply enjoying your morning coffee, this space is designed to be the heart of the home. Upstairs, you'll find four spacious bedrooms, including a relaxing owner's suite with a private bath and walk-in closet. The conveniently located upper-level laundry keeps daily routines simple and efficient. Outside, enjoy your private patio with sodded and irrigated yard. Experience all the benefits of homeownership without the weekend chores, Lawn care and snow removal are handled through the HOA, allowing you more time to enjoy life and less time maintaining your home. Nestled in Meadowbrook, one of Monticello's newest communities, you'll enjoy quick access to Interstate 94, Highway 25, shopping, restaurants, parks, and highly rated schools, making commuting and everyday errands exceptionally convenient. Meadowbrook offers a mix of townhomes and single-family homes in a location designed for modern living. Whether you're buying your first home, rightsizing into something easier to maintain, or simply looking for the peace of mind that comes with brand-new construction, this home offers exceptional value, modern finishes, and a lifestyle you'll love from day one. Available to close September 25th - Schedule your private showing today and experience why so many buyers are choosing Meadowbrook.

8824 Riverstone Avenue NE, Monticello

Listing courtesy of JPW Realty.

$379,900

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7156605 MLS ⋅ 1,534 SqFt.

Welcome home to this newer-built Monticello home offering modern living and a great location! Built in 2023, this home sits on a spacious lot with a nice yard and plenty of room to enjoy the outdoors. Conveniently located near schools, parks, shopping, restaurants and easy access to I-94, you’ll love being close to everything Monticello has to offer. A great opportunity to enjoy the benefits of newer construction in an established and growing area!

4142 Eaton Circle NE, Monticello

Listing courtesy of Legacy Home Group MN LLC.

$370,000

ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 7150809 MLS ⋅ 2,072 SqFt.

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 versatile layout features three bedrooms on the upper level, plus a spacious lower-level bedroom and full bath—offering excellent potential for a private primary suite, guest quarters, home office, or multigenerational living. 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, with plenty of room for kids and pets to safely play. An in-ground sprinkler system with a smart Wi-Fi controller makes 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 or additional storage will appreciate. Conveniently located near parks and area amenities, this home offers plenty of space, flexibility, and possibilities both inside and out. There are simply too many extras to list—come see everything this property has to offer! A security system and exterior cameras provide 360-degree monitoring around the home.

3765 Woodside Drive, Monticello

Listing courtesy of Edina Realty, Inc..

$339,900

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7155018 MLS ⋅ 1,908 SqFt.

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

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7154777 MLS ⋅ 1,423 SqFt.

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

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7154770 MLS ⋅ 1,454 SqFt.

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

ACTIVE Status ⋅ 2 Beds ⋅ 4 Baths ⋅ 7152742 MLS ⋅ 1,954 SqFt.

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.

$379,900

ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 7151206 MLS ⋅ 2,098 SqFt.

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

$325,000

ACTIVE Status ⋅ 2 Beds ⋅ 3 Baths ⋅ 7146885 MLS ⋅ 2,100 SqFt.

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 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 completed, making this home turnkey! New carpet, paint, stainless steel 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

ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 7150187 MLS ⋅ 1,618 SqFt.

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

ACTIVE Status ⋅ 5 Beds ⋅ 2 Baths ⋅ 7138463 MLS ⋅ 2,231 SqFt.

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.

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