12608 N 1225 W Monticello, IN ^$ 409,900

12608 N 1225 W

^$ 409,900

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12608 N 1225 W

Monticello, IN, 47960

^$ 409,900

Bedrooms3 Baths1.1 Sq 2,592

Monthly Estimate*

^$ 2,524

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Single Family Home for sale in Monticello, IN

for $409,900 with 3 bedrooms and 1 full bath, 1 half bath. This 2,592 square foot home was built in 1920 on a lot size of 0.86.

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 setupperfect 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!

Single Family Active

Price

^$ 409,900

Bedrooms

Full Bath

Half Bath

Property Type

Single Family

Taxes

^$ 1,730

Style

Traditional

Lot Size

0.86

Year Built

1920

Town/City

Monticello

County/Region

White

MLS | Web ID

202613448

Features

General

Sewer Regional

Heating Conventional

Kitchen Level Main

Cooling Central Air

Laundry Y/N Basement

Fireplaces Yes

Water Access Type Lakefront

Garage Attached

Amenities Attic-Walk-up Deck Open Deck on Waterfront Disposal Garage Door Opener Workshop Main Level Bedroom Suite Garage Utilities

Status Active Active

Full Baths 1

Half Baths 1

Bathrooms 2

Year Built 1920

New Construction No

Subdivision Tioga Park

Style Two Story

Township Jefferson

Class RESIDENTIAL

Type Site-Built Home

Age 106

REO No

Status Detail 0

Dining Room Level Main

Area Carroll County

High School Twin Lakes

City Monticello

School District Twin Lakes School Corp.

Energy Efficient HVAC

Architectural Style Traditional

Total Sq Ft 2592

Elementary School Meadowlawn

Middle School Roosevelt

Legal Description 008-03012-00 Tioga Park Lot 9

Virtual Tour https://www.propertypanorama.com/instaview/irmls/202613448

Agent First Name Jill

Agent Last Name Coble

DOM 0

Tax Year 2026

Interior

Basement Walk-Out Basement Finished

Fireplace(s) 2

Flooring Hardwood Floors Carpet Vinyl

HVAC Energy Star A/C High Efficiency Furnace

Beds 3

Total Rooms 12

Dining Room Length 15

Dining Room Width 6

Fireplace Living/Great Rm Rec Rm

Family Room Width 18

Living Room Width 16

Family Room Length 10

Living Room Length 15

Full Baths Main 1

Full Baths Upper 0

Above Grade Bedrooms 2

Below Grade Baths 1

Below Grade Bedrooms 1

Full Baths Below Grade 0

Half Baths Below Grade 1

Half Baths Main 0

Half Baths Upper 0

1st Bedroom Level Main

1st Bedroom Width 10

2nd Bedroom Length 20

2nd Bedroom Level Upper

2nd Bedroom Width 10

3rd Bedroom Length 11

3rd Bedroom Level Basement

3rd Bedroom Width 10

Extra Room Length 11

Extra Room Level Basement

Extra Room Width 13

Rec Room Length 14

Rec Room Level Basement

Rec Room Width 22

Basement Material Block

Exterior

Exterior Wood

Water Frontage 60

Driveway Stone

Pool No

Waterfront Lake

Garage Length 14

Garage Width 24

Lot Size Area 37462

Lot Dimensions 60x108

Lot Description Waterfront Waterfront-Level Bank

Water Features Pier/Dock Deeded

Garage Capacity 2

Lake Ski Lake

Waterfront Y/N Yes

* Excluded Features

List By

Jill Coble

Listing Agent

Real Estate Network L.L.C

Broker

jill@homes-by-network.com

Affordability Calculator

$2,668

Per Month

Monthly Principal & Interest: $2,524
Monthly Property Taxes: $144
Monthly Home Insurance: --

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Loan Term

Interest Rate

Yearly Property Taxes

Yearly Home Insurance

Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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Nearby

Trends
Schools

Single family listings in Monticello, IN

Average List Price ^$377,040

Percent of Sale Price 8%

About Monticello, IN

5,515 Population

-4% Since 2002

^$40,981 Median Income

40.82 Median Age

24% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

1235872 Elementary School

1235893 Middle School

Twin Lakes High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
4/16/2026	$409,900		Listed Price

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12608 N 1225 W, Monticello, IN, 47960 is a Single Family Home for sale at $409,900 with 2,592 sqft and a lot size of 0.86. 12608 N 1225 W has 3 bedrooms, 1.1 baths, and was built in 1920. The property's zip code is 47960 which is in Monticello, IN

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Listing data provided courtesy of the Internet Data Exchange Program of the Multiple Listing Service of the Indiana Regional Multiple Listing Service.

The data relating to real estate for sale on this web site comes in part from the Indiana Regional Multiple Listing Service. Real Estate listings held by brokerage firms (licensees) other than Weichert Realtors include the name of the listing brokers.

The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data is updated as of 4/19/2026.

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12608 N 1225 W

Single Family Home for sale in Monticello, IN

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