Don't miss this rare opportunity to own a unique waterfront property on Lake Freeman! This 3 bedroom, 2 bath home includes an attached 1 bedroom, 1 bath cottage with a loft—perfect for guests or rental income. Situated on a level waterfront lot with a private boat dock, the property features a 2-car attached garage connecting the main house and cottage. The main home boasts a cozy brick fireplace in the living room and an enclosed porch with serene views of the backyard and water. The cottage offers a bright, airy atmosphere with a wood cathedral ceiling, loft, second laundry room, kitchen, dining, and living areas. Whether you're looking for a family retreat or an investment opportunity, this property offers endless possibilities. Enjoy lake life and all that Monticello has to offer—schedule your showing today!
Active
$795,000
12702 N 1225 W, Monticello, IN 47960
4beds
1,908sqft
Est.:
Single Family Residence
Built in 1948
0.36 Acres Lot
$757,600 Zestimate®
$--/sqft
$-- HOA
What's special
Waterfront propertyCozy brick fireplacePrivate boat dockEnclosed porchWood cathedral ceiling
- 76 days
- on Zillow |
- 407 |
- 7 |
Zillow last checked: 7 hours ago
Listing updated: June 07, 2025 at 06:29am
Listed by:
Cathy C Russell 765-426-7000,
@properties
Source: IRMLS,MLS#: 202521498

Travel times
Tour with a buyer's agent
Tour with a buyer's agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
- Main level bedrooms: 4
Bedroom 1
- Level: Main
Bedroom 2
- Level: Main
Dining room
- Level: Main
- Area: 84
- Dimensions: 7 x 12
Kitchen
- Level: Main
- Area: 156
- Dimensions: 13 x 12
Living room
- Level: Main
- Area: 300
- Dimensions: 20 x 15
Heating
- Natural Gas, Forced Air
Cooling
- Central Air
Appliances
- Included: Disposal, Range/Oven Hook Up Gas, Dishwasher, Microwave, Refrigerator, Washer, Dryer-Electric, Electric Oven, Electric Range
- Laundry: Electric Dryer Hookup, Main Level, Washer Hookup
Features
- 1st Bdrm En Suite, Ceiling-9+, Cathedral Ceiling(s), Ceiling Fan(s), Walk-In Closet(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Stand Up Shower, Tub/Shower Combination, Main Level Bedroom Suite
- Basement: Crawl Space
- Number of fireplaces: 1
- Fireplace features: Living Room
Interior area
- Total structure area: 1,908
- Total interior livable area: 1,908 sqft
- Finished area above ground: 1,908
- Finished area below ground: 0
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Attached, Garage Door Opener
- Attached garage spaces: 2
Features
- Levels: One
- Stories: 1
- Patio & porch: Enclosed, Porch
- Has view: Yes
- Waterfront features: Waterfront, Waterfront-Level Bank, Lake Front, Access to Ski Lake, Lake
- Body of water: Lake Freeman
- Frontage length: Channel/Canal Frontage(0),Water Frontage(114)
Lot
- Size: 0.36 Acres
- Features: Level, 0-2.9999
Details
- Parcel number: 080403000081.000011
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
Condition
- New construction: No
- Year built: 1948
Utilities & green energy
- Sewer: Regional
- Water: Well
Community & HOA
Community
- Security: Smoke Detector(s)
- Subdivision: None
Location
- Region: Monticello
Financial & listing details
- Tax assessed value: $371,400
- Annual tax amount: $1,899
- Date on market: 6/6/2025
- Listing terms: Cash,Conventional,FHA,VA Loan
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