305 S Bluff St, Monticello, IN, 47960
About This Home
Blending timeless character with thoughtful updates, this 5-bedroom, 3.5-bath Victorian offers over 3,200 square feet of refined living space. Original woodwork and hardwood flooring showcase classic craftsmanship, while select upgrades provide modern comfort. Spacious living and dining areas create a natural flow for everyday living and gatherings. Step outside to a wraparound porch overlooking the grounds and more than 100 feet of water frontage, complete with a covered boat lift for easy access to the water. A detached two-car garage adds convenience and storage. This distinctive property delivers architectural charm, generous space, and a true waterfront setting.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1897
Materials
- Foundation: Stone
- Roof: Shingle
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Victorian
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Disposal,Dishwasher,Microwave,Refrigerator,Gas Oven
- Laundry features: Electric Dryer Hookup
Basement
- Has basement: Yes
- Basement: Partial,Unfinished,Block
Bedroom1
- Level: Upper
Bedroom2
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 252
Family Room
- Level: Main
- Area: 196
Features
- Ceiling-9+,Cathedral Ceiling(s),Walk-In Closet(s),Crown Molding,Kitchen Island,Natural Woodwork,Formal Dining Room,Great Room
- Flooring: Hardwood,Carpet
- Number of fireplaces: 1
- Fireplace features: Living Room
- Fireplace: Yes
- Attic: Storage,Walk-up
- Finished area below ground: 0
- Finished area above ground: 3,288
Heating & Cooling
- Heating features: Electric,Natural Gas,Baseboard,Forced Air,Hot Water
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 4,548
- Total interior livable area: 3,288 sqft
Kitchen
- Level: Main
- Area: 196
Living Room
- Level: Main
- Area: 352
Office
- Level: Main
- Area: 90
Property
Details
- Parcel number: 917333000138.900021
Features
- Levels: Multi-Story (3+)
- Patio & porch: Deck Covered
- Exterior features: Boat Lift-Covered
- Fencing: Chain Link
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Waterfront,Lake,Waterfront-Medium Bank,Pier/Dock,Lake Front,Ski Lake
- Waterbody name: Tippecanoe River
- Frontage length: Channel/Canal Frontage(125),Water Frontage(125)
Lot
- Lot size: 0.70 Acres
- Features: Few Trees,0-2.9999,City/Town/Suburb,Lake
- Lot size dimensions: 87x313
Parking
- Total spaces: 2
- Parking features: Detached,Garage Door Opener
- 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
- Cold Wave
- Hail
- Strong Wind
- Tornado
- Winter Weather
- Heat Wave
- Inland Flooding
- Lightning
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 | $2,781 | $33,372 |
| Home Insurance * | $296 | $3,552 |
| Property Taxes | $413 | $4,956 |
| Electricity | $301 | $3,616 |
| Total | $3,791 | $45,492 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-13 | Price change | $550,000 |
| 2026-04-09 | Listed for sale | $600,000 |
| 2023-10-06 | Sold | $449,800 |
| 2023-09-26 | Pending sale | $449,800 |
| 2023-08-31 | Price change | $449,800 |
| 2023-08-16 | Price change | $449,900 |
| 2023-08-09 | Price change | $469,900 |
| 2023-07-26 | Price change | $499,900 |
| 2023-07-07 | Price change | $519,900 |
| 2023-06-09 | Listed for sale | $529,900 |
| 2022-08-23 | Sold | $225,000 |
| 2017-01-09 | Sold | $225,000 |
| 2016-10-12 | Price change | $259,000 |
| 2016-06-13 | Listed for sale | $269,000 |
| 2016-01-18 | Listing removed | $269,000 |
| 2015-09-25 | Listed for sale | $269,000 |
For Sale by Agent
View on Zillow