Monticello Homes under $400,000

Welcome to Monticello, Minnesota – a charming city nestled in Wright County that beautifully blends small-town warmth with modern conveniences. Known for its friendly community and picturesque landscapes, Monticello is an ideal place for families, young professionals, and retirees alike. With its strategic location just 40 minutes northwest of the Twin Cities, residents enjoy easy access to urban amenities while relishing the tranquility of suburban life.

Monticello boasts a rich history, vibrant parks, and a variety of recreational activities that cater to all ages. The scenic Mississippi River runs nearby, offering opportunities for fishing, boating, and peaceful walks along its banks. For those who love the outdoors, Monticello is home to numerous parks and trails, perfect for hiking, biking, and picnicking. The city also hosts a range of community events throughout the year, fostering a strong sense of belonging among its residents.

One of the most appealing aspects of Monticello is its diverse real estate market, particularly for those seeking homes under $400,000. Here, you can find a variety of options, from charming single-family homes to modern townhouses, all offering excellent value for your investment. With spacious yards, family-friendly neighborhoods, and a strong sense of community, these homes are perfect for those looking to settle down in a welcoming environment.

Whether you’re a first-time homebuyer or looking to relocate, Monticello offers an exceptional quality of life. Come explore the possibilities and discover your dream home in this delightful city!

Newest Monticello Homes under $400,000

$340,000

3 Beds ⋅ 2 Baths ⋅ 7158792 MLS

Spacious 3 bedroom, 2 bathroom two story home on large corner lot. Freshly painted walls and ceiling and new carpet makes this home move in ready for your creative touches to make it your own.

6195 River Mill Drive, Monticello

Listing courtesy of Coldwell Banker Realty - Lakes.

$349,900

3 Beds ⋅ 3 Baths ⋅ 7160635 MLS

Style, space, and comfort in this impressive former builder model townhome! Offering 2,200 finished square feet, this desirable end-unit home combines a spacious, thoughtfully designed floor plan with the added privacy of a backyard retreat. The inviting living room flows into a desirable kitchen, featuring beautiful granite countertops and stainless steel appliances—perfect for everyday living and entertaining. Enjoy the warmth and ambiance of the fireplace, creating a cozy gathering space for family and friends. The finished lower-level family room provides even more versatile living space, while three bedrooms offer flexibility for family, guests, or a home office. Oversized windows throughout fill the home with abundant natural light, enhancing the open, airy feel. Generous storage adds convenience and functionality, and the end-unit location provides added privacy. Ideally situated in a convenient location close to everyday amenities, this exceptional townhome offers the perfect blend of comfort, style, and low-maintenance living.

11628 Alpine Drive, Monticello

Listing courtesy of Edina Realty, Inc..

$389,900

4 Beds ⋅ 2 Baths ⋅ 7160122 MLS

Welcome to this spacious 4-bedroom, 2-bath home with 5 GARAGE STALLS offering a great blend of comfort, character, and functionality! The open-concept kitchen and living area is perfect for everyday living and entertaining, highlighted by a unique stone bar that adds warmth and personality to the space. Outside, the stamped concrete driveway and patio in the back create an inviting outdoor space. Just off the side of the home, a private deck creates the perfect spot to relax and unwind, complete with a hot tub and outdoor TV—both included with the sale—making it the perfect setup for entertaining. A newer roof adds peace of mind, while garage space is a major bonus with an attached 3-stall garage, plus a large 2-stall detached garage that’s heated and insulated—ideal for extra vehicles, toys, a workshop, or additional storage. With impressive indoor and outdoor entertaining spaces and a total of five garage stalls, this home has something for everyone!

4442 Eakern Circle NE, Monticello

Listing courtesy of North Star Pro Realty LLC.

$330,000

4 Beds ⋅ 2 Baths ⋅ 7158742 MLS

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

4 Beds ⋅ 3 Baths ⋅ 7158065 MLS

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

3 Beds ⋅ 2 Baths ⋅ 7156605 MLS

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

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 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..

$335,000

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.

$374,900

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.

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