11751 W Pirates Roost Rd, Monticello, IN, 47960
About This Home
Completely rebuilt and ready to enjoy, this lakefront retreat was taken down to the studs and thoughtfully remodeled in 2020. Nearly every major component has been updated including plumbing, electrical, siding, windows, and roof, giving you the feel of a newer home with the charm of a cozy getaway. Inside, you’ll find a beautifully finished 1 bedroom, 1 bath layout designed for simplicity and comfort. The kitchen comes fully equipped with refrigerator, microwave, and electric range/oven, and all appliances stay. A 100 amp electrical service and water heater conveniently located under the stairs add to the home’s efficiency. Step outside to a front deck overlooking the water, the perfect place to start your morning or unwind at sunset. The property also features a permanent boat lift with an upper deck, creating a unique space to relax right at the water’s edge. Easy access allows you to drive down to the lift, making lake days effortless. Whether you’re searching for a weekend escape, a summer destination, or a low-maintenance lake home, this property offers the ideal blend of updates, views, and lifestyle.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1930
Materials
- Construction materials: Shingle Siding,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Microwave,Refrigerator,Electric Water Heater
Basement
- Basement: None
Bedroom1
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
- Main level bedrooms: 1
Features
- Finished area below ground: 0
- Finished area above ground: 532
Heating & Cooling
- Heating features: Other
- Cooling features: Other
Interior Area
- Total structure area: 532
- Total interior livable area: 532 sqft
Property
Details
- Parcel number: 080422000305.000011
Features
- Has view: Yes
- On waterfront: Yes
- Waterfront features: Waterfront,Pier/Dock,Lake Front,Ski Lake,Lake
- Waterbody name: Lake Freeman
- Frontage length: Channel/Canal Frontage(15),Water Frontage(15)
Lot
- Lot size: 435.60 sqft
- Lot size dimensions: 15x49
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 | $1,213 | $14,556 |
| Home Insurance * | $199 | $2,388 |
| Property Taxes | $144 | $1,728 |
| Electricity | $184 | $2,212 |
| Total | $1,740 | $20,880 |
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 |
|---|---|---|
| 2026-04-23 | Listed for sale | $250,000 |
| 2007-07-27 | Sold | $28,000 |
View on Zillow