About This Home

This 3-bedroom, 2-bathroom single family at 3997 E First Rd in Monticello, IN is listed for $314,900 ($176 per sqft). Built in 1983, the home offers 1,792 sqft of living space on a 0.39 acres lot.

Key Features

  • Built in 1983
  • 0.39 acre lot
  • Fireplace
  • Waterfront

Property Details

1 story
1 full, 1 half
1-car garage
1983

Amenities

FireplaceWaterfrontA/C
Listing Description

This darling Cape Cod home is on a beautiful, pine-tree-lined lot and has drive-by appeal sure to impress. Situated between Lake Shafer and the Big Monon, you are just a short walk or golf cart ride to your Lake Shafer easement, complete with a slip for your boat.

There are three bedrooms, including a main-floor primary bedroom with an attached bath. The living room includes a gas-log fireplace, and the kitchen opens to the deck with a retractable awning. All the appliances, including washer, dryer, and water softener, are included.

There is a heated & cooled one-car attached garage, plus a nice 24x30 Morton pole building that is heated and insulated, and even a cute shed, all offering excellent storage for your hobbies and water toys. Best of all, you can be on the water in just a minute!

Monthly Cost Estimate

$1,834/mo

20% down · 6.5% · 30 years

Principal$228
Interest$1,365
Insurance$92
HOA$150

Estimates only. Actual payments may vary.

Location

3997 E First Rd

Monticello, IN 47960

Property Details

Flooring

TileCarpetLaminate

Cooling

Central Air

Questions & Answers

This 3-bedroom, 2-bathroom single family at 3997 E First Rd is listed at $314,900 ($176/sqft). The estimated monthly payment is $1,834 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $150/month.

Key features include: Built in 1983, 0.39 acre lot, Fireplace, Waterfront.

This property is listed by Chris Thayer.

CT

Chris Thayer

Agent at Real Estate Network

Listed by Real Estate Network · Broker phone: (574) 583-8181 · Broker website

MLS# 202629428· Source: White County Association of Realtors· 98 days on PropertySimple

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.

3997 E First Rd, Monticello, IN 47960

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