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 conveniences. Known for its friendly community and picturesque landscapes, Monticello is an ideal place for families, young professionals, and retirees alike. With a population of around 13,000 residents, this vibrant city offers a welcoming atmosphere, making it easy to feel right at home.

Monticello boasts a rich history and a variety of recreational opportunities. The city is surrounded by beautiful parks, scenic trails, and the stunning banks of the Mississippi River, providing ample opportunities for outdoor enthusiasts to explore and enjoy nature. The community hosts numerous events throughout the year, fostering a strong sense of belonging among residents. From the annual Riverfest celebration to farmers' markets, there’s always something happening in Monticello!

For those looking to settle down in this delightful city, Monticello offers an impressive selection of homes priced under $400,000. Whether you're searching for a cozy starter home, a charming bungalow, or a spacious family residence, you'll find a diverse range of properties that cater to various tastes and lifestyles. Many homes feature modern amenities, open floor plans, and beautifully landscaped yards, perfect for enjoying Minnesota's beautiful seasons.

With its affordable housing options, rich community spirit, and an abundance of recreational activities, Monticello is truly a hidden gem in Wright County. Come explore the possibilities and discover why so many are proud to call Monticello home!

Newest Monticello Homes under $400,000

$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, light fixtures, faucets 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.

$368,880

4 Beds ⋅ 2 Baths ⋅ 7148421 MLS

This home is move-in ready! This thoughtfully designed split-level home offers an abundance of comfortable living space, highlighted by a finished basement and spacious 3-car garage. Step inside to an open concept layout that seamlessly connects the modern kitchen—complete with sleek stainless steel appliances—to the inviting dining area and expansive Great Room, ideal for gatherings or relaxing evenings at home. The primary floor features two well-appointed bedrooms, including a luxurious owner’s suite with a generous bedroom, full bath and a walk-in closet for added convenience. The finished lower level offers an additional two secondary bedrooms, full bath, and recreation room. With all the must-have features and a smart, efficient layout, this home is sure to attract attention—act quickly before it’s gone!

8540 Farmstead Avenue NE, Monticello

Listing courtesy of Lennar Sales Corp.

$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.

$324,900

3 Beds ⋅ 2 Baths ⋅ 7145642 MLS

Your search ends here! Step into a bright & sunny, recently renovated multi-level Groveland Neighborhood home w/ an open floorplan & a newly refinished lower level that walks out to a yard overlooking a large, peaceful pond. Step into an open main level flooded w/ natural light through Anderson windows. Cook in a kitchen updated w/granite counters, new appliances, & a coveted center island. Relax in a sunny living room under a vaulted ceiling w/ new LVP flooring looks out over the pond beyond the backyard ensuring freedom from backyard neighbors. Entertain or unwind in an enormous, newly finished, sun-filled, walkout lower level family room - complete w/ brand new3/4 bath. Lower level bedroom works great as a home office or hobby room. The spacious backyard backs up to a walking path & green space - perfect for evening strolls or letting the kids run free. Just mins from Groveland Park, top-rated Monticello schools, & easy I-94 access. Beautiful remodel at an approachable price. Wow!

3668 Woodside Drive, Monticello

Listing courtesy of Keller Williams Realty Integrity Lakes.

Start Your Search

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the Regional Multiple Listing Service of Minnesota. Real estate listings held by brokerage firms other this firm are marked with the Broker Reciprocity logo. Information Deemed Reliable But Not Guaranteed. Property locations as displayed on any map are best approximations only and exact locations should be independently verified.

Listing data © 2026 Regional Multiple Listing Service of Minnesota. All rights reserved. By searching, you agree to the EULA.