10977 N Lower Lake Shore Dr, Monticello, IN, 47960
About This Home
LOCATION, LOCATION, LOCATION on Lake Freeman in a desirable golf cart community. Maintenance free year round home and lot, Airbnb opportunity, or summer get away. Partially wooded large lot with plenty of parking and ample space for an RV. The large 24x36 pole barn with a 10ft door can accommodate all your boating and storage needs. Shared easement to the water frontage with your own electric boat lift and jet ski lift. This property is perfect for entertaining with its large deck and great main lake views. Updated interior with an open floor plan, butcher block countertops, all appliances and wash/dryer included, tile shower, and tankless water heater. Located less than a few miles from Sportsman, Madam Carroll, live music, and downtown Monticello.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1945
Materials
- Roof: Metal
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Bungalow,Cabin/Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Microwave,Refrigerator,Washer,Dryer-Gas,Washer/Dryer Stacked,Gas Range,Gas Water Heater,Tankless Water Heater
- Laundry features: Gas Dryer Hookup,Main Level,Washer Hookup
Basement
- Basement: Crawl Space
Bedroom1
- Level: Main
Bedroom2
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
- Main level bedrooms: 2
Features
- Flooring: Laminate
- Finished area below ground: 0
- Finished area above ground: 580
Heating & Cooling
- Heating features: Natural Gas,Conventional,Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 580
- Total interior livable area: 580 sqft
Kitchen
- Level: Main
- Area: 165
Living Room
- Level: Main
- Area: 143
Property
Details
- Parcel number: 080415000332.000011
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck
- Exterior features: Boat Lift-Temporary
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Waterfront,Boat Docking Rights,Ski Lake,Lake
- Waterbody name: Lake Freeman
- Frontage length: Channel/Canal Frontage(0),Water Frontage(10)
Lot
- Lot size: 0.55 Acres
- Features: Lake,Rural
Parking
- Total spaces: 2
- Parking features: Detached,RV Access/Parking
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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 | $1,339 | $16,068 |
| Home Insurance * | $220 | $2,640 |
| Property Taxes | $124 | $1,488 |
| Electricity | $184 | $2,212 |
| Total | $1,867 | $22,404 |
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 |
|---|---|---|
| 2026-06-14 | Price change | $264,900 |
| 2026-05-12 | Listed for sale | $274,900 |
| 2025-10-24 | Listing removed | $289,900 |
| 2025-06-11 | Price change | $289,900 |
| 2025-04-24 | Listed for sale | $299,900 |
| 2016-09-12 | Listing removed | $72,000 |
| 2016-03-11 | Listed for sale | $72,000 |
| 1998-06-15 | Sold | $36,000 |
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