12386 W Crest Dr, Monticello, IN, 47960
About This Home
Lake Freeman, Lake Level Completely remodeled 2 bedroom 2 full bath year-round house with A+ outdoor lakeside amenities. Interior finish consists of; tiled bathrooms and showers/tub surrounds, laminate flooring and new carpeting in living areas, smooth finish ceilings with recessed lighting. Kitchen upgrades include; stainless farmhouse sink, stainless appliances. Remodel included new plumbing/electrical, furnace & a/c. On-Demand Water heat in Laundry Area, all appliances stay with purchase. Exterior amenities include; 20x24 screened porch lakeside, 29x22 lakeside deck, 25x13 concrete patio lakeside, 25x30 deck at waterfront with gazebo & covered boatslip area. Move-in Ready with Modern decor and updates.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1950
Materials
- Roof: Shingle
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Disposal,Microwave,Refrigerator,Washer,Dryer-Gas,Gas Oven,Tankless Water Heater,Water Softener Owned
Basement
- Basement: Crawl Space,Block,Concrete
Bedroom1
- Level: Main
Bedroom2
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 2
Features
- 1st Bdrm En Suite,Stand Up Shower,Main Level Bedroom Suite
- Flooring: Carpet,Laminate,Tile
- Finished area below ground: 0
- Finished area above ground: 816
Heating & Cooling
- Heating features: Natural Gas,Conventional,Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 816
- Total interior livable area: 816 sqft
Kitchen
- Level: Main
- Area: 96
Living Room
- Level: Main
- Area: 252
Property
Details
- Parcel number: 080433000145.000011
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck,Patio,Screened
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Waterfront,Lake,Waterfront-Level Bank,Deck on Waterfront,Pier/Dock,Bayfront,Ski Lake
- Waterbody name: Lake Freeman
- Frontage length: Channel/Canal Frontage(37.5),Water Frontage(37.5)
Lot
- Lot size: 3,920 sqft
- Features: 0-2.9999,Lake
- Lot size dimensions: 37.5x100
Parking
- Parking features: Gravel
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Inland Flooding
- Cold Wave
- Strong Wind
- Tornado
- Hail
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Indiana Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,567 | $18,804 |
| Home Insurance * | $257 | $3,084 |
| Property Taxes | $170 | $2,040 |
| Electricity | $184 | $2,212 |
| Total | $2,178 | $26,136 |
Income You'd Need if You Spent...
Indiana FAIR Plan Programs
Indiana Basic Property Insurance Underwriting Association
WildfireHailWindHow Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-16 | Price change | $309,900 |
| 2026-04-06 | Price change | $339,900 |
| 2026-02-17 | Listed for sale | $342,500 |
| 2001-10-09 | Sold | $95,000 |
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