# 305 S Bluff Street, Monticello, IN 47960 > **TL;DR:** 5bd/4ba single family, $500,000 ($152/sqft), built 1897, 3,288 sqft. > Fireplace, Waterfront, Hardwood, 2-car garage. Est. $2,674/mo. Listed 18 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $500,000 | | Price/sqft | $152 | | Bedrooms | 5 | | Bathrooms | 3 full, 1 half | | Square Feet | 3,288 | | Year Built | 1897 | | Lot Size | 30,492 sqft (0.70 acres) | | Garage | 2-car | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 18 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Hardwood Floors** - Hardwood flooring listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,528 | | Estimated Insurance | $146 | | **Total** | **$2,674** | ## Nearby Schools - **Elementary:** Twin Lakes - **Middle:** Twin Lakes - **High:** Twin Lakes ## Key Amenities - Fireplace - Waterfront - Hardwood - 2-car garage ## Property Highlights - Built in 1897 - 0.70 acre lot - Fireplace - Waterfront ## Description ### Agent Description Step into the beauty and character of this stunning Victorian lakefront home, offering over 3,200 square feet of living space and an incredible 100 feet of water frontage. This 5-bedroom, 3.5-bath home perfectly blends historic charm with the relaxed lifestyle of lakeside living. Inside, you'll find beautiful original woodwork, hardwood floors, and classic architectural details that showcase the craftsmanship of a bygone era. Spacious living areas provide plenty of room for entertaining, while five bedrooms offer flexibility for family and guests. Outside, the lake takes center stage with an impressive 100 feet of shoreline, providing endless opportunities for boating, fishing, swimming, and enjoying breathtaking views. A covered boat lift makes getting out on the water easy and convenient, while the detached 2-car garage offers excellent storage for vehicles, lake toys, and equipment. Whether you're looking for a year-round residence, a weekend getaway, or a one-of-a-kind lake retreat, this remarkable Victorian home offers a rare combination of historic character, generous space, and exceptional waterfront living. ## Location - **Address:** 305 S Bluff Street, Monticello, IN 47960 - **County:** White County - **Coordinates:** 40.742247, -86.760062 - **Google Maps:** https://www.google.com/maps?q=40.742247,-86.760062 ## Virtual Tour & Media - **Video Tour:** https://www.propertypanorama.com/instaview/irmls/202642383 ## Listing Agent - **Name:** James Tonnsen - **Brokerage:** Trueblood Real Estate - **Broker Phone:** (765) 838-1998 ## Photos ![305 S Bluff Street - Photo 1](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f2355538868r.jpg) ![305 S Bluff Street - Photo 2](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f856709965r.jpg) ![305 S Bluff Street - Photo 3](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f481540115r.jpg) ![305 S Bluff Street - Photo 4](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f2047467157r.jpg) ![305 S Bluff Street - Photo 5](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f4121755903r.jpg) ![305 S Bluff Street - Photo 6](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f511767415r.jpg) ![305 S Bluff Street - Photo 7](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f3017996257r.jpg) ![305 S Bluff Street - Photo 8](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f1226656306r.jpg) ![305 S Bluff Street - Photo 9](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f1687886500r.jpg) ![305 S Bluff Street - Photo 10](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f1869511539r.jpg) ![305 S Bluff Street - Photo 11](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f2635674396r.jpg) ![305 S Bluff Street - Photo 12](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f2670092436r.jpg) ![305 S Bluff Street - Photo 13](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f2814251521r.jpg) ![305 S Bluff Street - Photo 14](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f384499905r.jpg) ![305 S Bluff Street - Photo 15](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f1065344216r.jpg) ![305 S Bluff Street - Photo 16](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f263163751r.jpg) ![305 S Bluff Street - Photo 17](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f2911409684r.jpg) ![305 S Bluff Street - Photo 18](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f1639595464r.jpg) ![305 S Bluff Street - Photo 19](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f969407282r.jpg) ![305 S Bluff Street - Photo 20](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f2953787536r.jpg) ![305 S Bluff Street - Photo 21](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f3090877886r.jpg) ![305 S Bluff Street - Photo 22](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f4110298806r.jpg) ![305 S Bluff Street - Photo 23](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f753351849r.jpg) ![305 S Bluff Street - Photo 24](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f343508805r.jpg) ![305 S Bluff Street - Photo 25](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f742223361r.jpg) ![305 S Bluff Street - Photo 26](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f3727747273r.jpg) ![305 S Bluff Street - Photo 27](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f750690523r.jpg) ![305 S Bluff Street - Photo 28](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f615720001r.jpg) ![305 S Bluff Street - Photo 29](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f1488059067r.jpg) ![305 S Bluff Street - Photo 30](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f611377938r.jpg) ![305 S Bluff Street - Photo 31](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f1321387703r.jpg) ![305 S Bluff Street - Photo 32](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f2946001862r.jpg) ![305 S Bluff Street - Photo 33](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f2998562476r.jpg) ![305 S Bluff Street - Photo 34](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f3212665745r.jpg) ![305 S Bluff Street - Photo 35](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f3257819319r.jpg) ![305 S Bluff Street - Photo 36](http://lh.rdcpix.com/1c932c014686e03debf9419d93387706l-f2308784222r.jpg) --- **MLS#:** 202642383 | **Updated:** 2026-10-28 **Source:** listhub *Copyright © 2026 Lafayette Regional 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.* [View on PropertySimple](https://staging.propertysimple.ai/listing/305-s-bluff-street-monticello-in-47960-ef7e7409bbd243d89f1d4a1d9fa3273c) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/305-s-bluff-street-monticello-in-47960-ef7e7409bbd243d89f1d4a1d9fa3273c#listing", "url": "https://staging.propertysimple.ai/listing/305-s-bluff-street-monticello-in-47960-ef7e7409bbd243d89f1d4a1d9fa3273c", "name": "305 S Bluff Street, Monticello, IN 47960", "description": "Step into the beauty and character of this stunning Victorian lakefront home, offering over 3,200 square feet of living space and an incredible 100 feet of water frontage. This 5-bedroom, 3.5-bath home perfectly blends historic charm with the relaxed lifestyle of lakeside living. 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