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12418 W 775 N, Monticello, IN, 47960

2beds
2baths
1,200sqft
$275,000
$229price/sqft
$1,957/moest. monthly cost
$78,280/yrincome needed

About This Home

Adorable, remodeled home with close access to Lake Freeman and the Tippecanoe River! This move-in ready property features a beautifully updated kitchen with new appliances, remodeled bathrooms, updated flooring throughout, and new windows, siding, and roof. Relax on the new covered front and back decks while enjoying the peaceful surroundings. Ready for its new owner—call your favorite Realtor to schedule a private showing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

6/10
5/10
Roosevelt Middle SchoolGrades 6-85.7 mi
5/10

Construction

Condition

  • Year built: 1910

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Disposal,Range/Oven Hook Up Gas,Dishwasher,Microwave,Refrigerator,Washer,Dryer-Gas,Gas Oven,Gas Range,Water Softener Owned
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Partial,Unfinished,Block

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 210

Features

  • Ceiling Fan(s),Beamed Ceilings,Tub/Shower Combination
  • Finished area below ground: 0
  • Finished area above ground: 1,200

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,416
  • Total interior livable area: 1,200 sqft

Kitchen

  • Level: Main
  • Area: 128

Living Room

  • Level: Main
  • Area: 210

Property

Details

  • Parcel number: 080433000262.000011

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck Covered
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 0.54 Acres
  • Features: Few Trees,Sloped,15+

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
    Inland FloodingVery High
  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Strong Wind
Tornado
Hail
Winter Weather

FEMA Declared Disasters Across Indiana Counties

Flood
Snowstorm

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

MonthlyAnnual
Mortgage $1,390$16,680
Home Insurance *$228$2,736
Property Taxes $155$1,860
Electricity $184$2,212
Total$1,957$23,484
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,097/yr
40% on housing$58,710/yr
45% on housing$52,186/yr

Indiana FAIR Plan Programs

Indiana Basic Property Insurance Underwriting Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 810Commercial: 30
Total Premiums$1.77M
Total Exposure$1.82M

How 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.

Insurance Growth Rate5-year average: 9.4%
9.4%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$229This listing

vs Other Active Listings

Avg $/sqft

ZIP 47960$143
Carroll County$135

vs Homes Sold Last Month

Median $/sqft

ZIP 47960
Carroll County$137

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

DateEventPrice
2026-06-30Listed for sale$275,000
2025-03-21Listing removed$295,000
2025-02-21Listed for sale$295,000
2025-02-21Listing removed$295,000
2024-12-20Listed for sale$295,000

For Sale by Agent

AgentCathy C Russell
Brokerage@properties

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