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About This Home

This 3-bedroom, 2-bathroom single family at 12608 N 1225 W in Monticello, IN is listed for $409,900 ($158 per sqft). Built in 1920, the home offers 2,592 sqft of living space on a 0.86 acres lot.

Agent Description

Just bring your suitcase! This turnkey Lake Freeman getaway already has the boat waiting! Well-maintained 3-bedroom, 1.5-bath lakehome offers 60 feet of waterfront and 2,592 sq ft of living space, including a finished attic set up as a bedroom and a walkout basement with an apartment-style setup—perfect for guests or extended stays.

The waterfront features a covered boat lift, jet ski lift and boathouse. Both the garage & shed are wired with electric. Being sold turnkey, including appliances, furnishings AND a 2007 Premier pontoon, so you can start enjoying lake days right away. A move-in-ready retreat ready for its next chapter on the water!

Key Features

  • Built in 1920
  • 0.86 acre lot
  • 2 stories
  • Fireplace
  • Waterfront

Property Details

2 stories
1 full, 1 half
1920

Amenities

FireplaceWaterfrontBasement

Monthly Cost Estimate

$2,192/mo

20% down · 6.5% · 30 years

Principal$296
Interest$1,776
Insurance$120

Estimates only. Actual payments may vary.

Location

12608 N 1225 W

Monticello, IN 47960

Tioga Park

Features & Amenities

Interior Features

Attic-walk-upDeck OpenDeck On WaterfrontDisposalGarage Door OpenerWorkshopMain Level Bedroom SuiteGarage UtilitiesDishwasherRefrigeratorWindow TreatmentsBoat Lift-coveredWater Heater ElectricWater Softener-owned

Exterior Features

Pier/DockDeededShed

Property Details

Parking

GarageGarage - Attached

Heating

Fireplace(s)

Cooling

Central Air

Appliances

DryerDryer - GasGarbage DisposerMicrowaveOven - GasRangeRange - Electric

Questions & Answers

This 3-bedroom, 2-bathroom single family at 12608 N 1225 W is listed at $409,900 ($158/sqft). The estimated monthly payment is $1,776 based on 20% down at 6.5% interest.

Key features include: Built in 1920, 0.86 acre lot, 2 stories, Fireplace, Waterfront. Interior Features: Attic-walk-up, Deck Open, Deck On Waterfront. Exterior Features: Pier/Dock, Deeded, Shed.

This property is listed by Jill Coble and can be reached at 5742977977 or jill@homes-by-network.com.

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JC

Jill Coble

Agent at REAL ESTATE NETWORK L.L.C

(574) 297-7977

Listed by REAL ESTATE NETWORK L.L.C · View on Broker Site

MLS# 202613448· Source: listhub· Updated 2 days ago

Copyright © 2026 White County Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

12608 N 1225 W, Monticello, IN 47960

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