Monticello Homes under $400,000

Monticello Homes under $400,000

Welcome to Monticello, Georgia—a charming gem nestled in Jasper County that perfectly blends small-town warmth with rich Southern heritage. Known for its picturesque landscapes and friendly community, Monticello offers a serene escape just a short drive from the bustling city of Atlanta. With its historic downtown, unique boutiques, and delightful local eateries, this quaint city is a haven for those seeking a peaceful yet vibrant lifestyle.

For homebuyers looking for affordable options, Monticello boasts a variety of beautiful homes under $400,000. Whether you’re searching for a cozy cottage with a white picket fence or a spacious family home with modern amenities, you'll find an array of choices that cater to different tastes and lifestyles. The real estate market here is thriving, making it an ideal time to invest in your dream home.

Families will appreciate Monticello’s excellent school system and community-oriented atmosphere, while outdoor enthusiasts can enjoy the stunning natural beauty of nearby parks and lakes. The area is perfect for hiking, fishing, and enjoying picnics with loved ones.

In Monticello, you’re not just buying a house; you’re investing in a lifestyle filled with warmth, community, and opportunity. With homes available at such accessible prices, now is the perfect time to explore what this enchanting city has to offer. Come discover your new home in Monticello, where Southern charm meets modern living!

Newest Monticello Homes under $400,000

135 Hummingbird Drive, Monticello
$359,900
4 Beds ⋅ 3 Baths ⋅ 10856546 MLS
Beautiful 2022-built 4-bedroom, 2.5-bath home in Turtle Cove on Jackson Lake. Features include an open floor plan, granite kitchen with island and stainless-steel appliances, electric fireplace, LVP flooring, and a spacious owner's suite with custom closet cabinetry. Enjoy the screened-in rear patio and upgraded poly-coated two-car garage floor. Turtle Cove amenities include lake access, beaches, boat ramps, pool, golf, tennis, pickleball, clubhouse and playground. Modern. Upgraded. Move-in ready. Lake living at its best!

135 Hummingbird Drive, Monticello

Listing courtesy of Maximum One Preferred REALTORS.

54 Goldeneye Court, Monticello
$319,900
3 Beds ⋅ 3 Baths ⋅ 10854474 MLS
FALL IN LOVE WITH THIS NEW HOME 3 bed 2.5 bath + bonus New Construction in well sought after community of Turtle Cove. At full price when using both Builders preferred Lender and Attorney seller offers Closing Cost up to 8,000 at time of closing Builder appliance package included along with a one year Builder warranty described in the warranty paragraph of F228. Preferred lender offers with qualified buyers 3.5% down payment assistance, has no income limits, and buyers do not have to be first-time homebuyers. Builder reserves the right to make changes to the floor plan.

54 Goldeneye Court, Monticello

Listing courtesy of Agents Realty LLC.

425 Pelican Circle, Monticello
$264,000
4 Beds ⋅ 2 Baths ⋅ 10852785 MLS
Welcome to 425 Pelican Cir! Discover the opportunity to make this charming 4-bedroom, 2-bath ranch your next home in the desirable Turtle Cove community of Monticello. Offering 1,706 square feet of single-level living, this home provides a comfortable setting with the convenience of everything on one level. Beyond the home, enjoy the lifestyle Turtle Cove has to offer. Community amenities include a beautiful lake, golf, swimming pool, clubhouse, playground, and tennis courts-giving residents plenty of opportunities for recreation, relaxation, and outdoor enjoyment. Whether you're looking for a place to call home or a property where you can enjoy an amenity-rich community, 425 Pelican Cir offers a wonderful opportunity in Jasper County. Come see all that this Turtle Cove home has to offer and schedule your showing today!

425 Pelican Circle, Monticello

Listing courtesy of Keller Williams West Atlanta.

1113 Forsyth Street, Monticello
$249,000
5 Beds ⋅ 3 Baths ⋅ 10852182 MLS
Historic 5-bedroom, 2.5-bath home built in 1909 offering approximately 2,600 sq ft of living space on a 0.71-acre lot. The kitchen was remodeled prior to the current owner's purchase and features an island and newer cabinetry. The home includes a dining room, spacious living room, five bedrooms, two full bathrooms, a half bath, and additional interior space. A large renovation project, the property offers an opportunity to restore and update a substantial historic home while preserving its original character. The property features a spacious front yard and a large backyard with mature landscaping that is currently overgrown. Two separate HVAC systems, gas furnaces in several rooms, and an electric radiator in the primary bedroom are present. The roof is not original, and the exterior was repainted several years ago. The property requires significant renovation, including full plumbing replacement, bathroom repairs, deep cleaning, and cosmetic updates. Sold as-is and suited for buyers looking for a substantial renovation project with a large lot and historic character.

1113 Forsyth Street, Monticello

Listing courtesy of Joseph Walter Realty, LLC.

33 Tanager Court, Monticello
$280,000
3 Beds ⋅ 2 Baths ⋅ 10848419 MLS
Beautifully maintained and thoughtfully updated, this inviting 3-bedroom, 2-bath home offers a well-designed floor plan with comfortable living spaces, abundant closet and storage space, and an attached 2-car garage. The garage also provides access to a large storage area over the garage, conveniently accessed by a pull-down ladder, providing valuable additional storage space. The spacious primary suite features a nice-sized bedroom and private ensuite bath with double vanity, soaking tub, separate shower, and walk-in closet. The functional kitchen includes a convenient pantry, while additional storage includes a linen closet and coat closet. Numerous updates and improvements enhance the home, including LVP flooring throughout most of the living areas, upgraded lighting, ceiling fans and plumbing fixtures, an LG stacked washer and dryer, an updated water heater, and improvements to the back deck. The home is equipped with a Trane HVAC system and fully programmable thermostat. Enjoy the privacy of a wooded setting, with mature woods behind the property and across the street, creating a peaceful backdrop and a natural sense of privacy. Located in the desirable Turtle Cove Lake & Golf Community on Jackson Lake in Monticello, residents can enjoy an abundance of recreational amenities, including a clubhouse and restaurant, pickleball court, large indoor/outdoor swimming pool, tennis courts, five beaches with boat ramps, playgrounds, and more. A Home Warranty is included with the sale, providing an added benefit and extra peace of mind for the new homeowner.

33 Tanager Court, Monticello

Listing courtesy of Sunlight Realtors.

906 Eatonton Street, Monticello
$264,900
3 Beds ⋅ 1 Baths ⋅ 10847582 MLS
Charming and inviting, this beautiful 3 bedroom 1 bath Ranch well maintained home offers a warm, comfortable atmosphere with classic character throughout. The spacious living room features beautiful hardwood floors, crown molding, a traditional fireplace with elegant surround, and abundant natural light. A mix of comfortable furnishings and thoughtful details creates a welcoming space for relaxing or entertaining. The updated kitchen combines timeless style with modern convenience, featuring light cabinetry, solid-surface countertops, subway-tile backsplash, and a striking tongue-and-groove wood ceiling that adds warmth and character. The spacious bedroom offers hardwood flooring, generous natural light from multiple windows, and plenty of room for comfortable furnishings. A versatile additional living space provides the perfect spot for a family room, playroom, home office, or flex space, complete with a cozy seating area. Recent renovations include kitchen expansion, new quartz countertops and new cabinets, recessed lighting, stained wood ceiling, custom backsplash, dishwasher and garbage disposal, new paint in the main living space and carpet in the 2 spare bedrooms. Located in the historic district of Monticello and just walking distance from the square. Situated on an oversized spacious lot with a large backyard perfect for the kids, dogs or entertaining. Note: There are 2 lots with this property to equal the large lot size of almost 2 acres. Parcels numbers M05D 097 and M05D 098 are sold together.

906 Eatonton Street, Monticello

Listing courtesy of Agents Realty LLC.

137 Dunlin Court, Monticello
$265,000
3 Beds ⋅ 2 Baths ⋅ 10845658 MLS
Located in the popular Turtle Cove Subdivision on Jackson Lake and boasting resort-style amenities, this adorable ranch home has everything you need to truly enjoy lake life. Tucked away on a quiet cul-de-sac, this property offers the best of both world with plenty of privacy and convenience to all that Turtle Cove has to offer. A rocking chair front porch greets you as you enter the home and step into the cozy living space, complete with wood-burning fire place. The spacious kitchen has an eat-in area and opens onto the large back deck, where you can sip your morning coffee in the serenity of the surrounding woods. A fenced backyard ensures any pets or children residing in the home will be kept safe. Down the hall are two secondary bedrooms, a full bath, and laundry closet. The primary suite is generously sized and easily accommodates a king sized bedroom set. Turtle Cove residents have a variety of amenities at their fingertips, including a 9 hole executive golf course, swimming pool, 5 beaches & 4 boat ramps, newly resurfaced pickleball courts, clubhouse with dining room & lounge, and a park including a baseball diamond & basketball courts. Come and see everything that Turtle Cove has to offer you!

137 Dunlin Court, Monticello

Listing courtesy of Madison Realty.

29 Bluejay Court, Monticello
$384,900
3 Beds ⋅ 2 Baths ⋅ 10837164 MLS
Amazing brick home in sought after Turtle Cove Subdivision. 3 bedroom, 2 bath, luxurious master bedroom with a large closet ceiling fan and spacious master bath with double vanity, garden tub, many functional cabinets with wonderful storage and a glass window over the jacuzzi. 2 additional bedrooms with walk -in closets. Bathroom off of the hall, tub/shower combo, marble vanity, oak cabinets. Kitchen offers a huge pantry, oak cabinets, all appliances and built in desk for managing the household. Laundry room off kitchen with tile flooring and cabinets. Eat in dining room off of the kitchen with ceiling fan. Screened in back porch. Spacious den off of the kitchen with built in shelving and stone fireplace. Sunroom off of the kitchen so peaceful. Detached shop. 2 car attached garage as well. Very private lot with an amazing brick home. Spacious front porch. Koi pond on property. This home has it all and is move in ready. Come get your private tour today.

29 Bluejay Court, Monticello

Listing courtesy of Dana Leach Realty.

489 Pelican Circle, Monticello
$299,000
3 Beds ⋅ 3 Baths ⋅ 10836940 MLS
Welcome to 489 Pelican Circle, a beautifully updated 3-bedroom, 3-bath home located in the sought-after Turtle Cove community on Lake Jackson! Offering a versatile floor plan with two owner's suites, this home provides plenty of space and flexibility for family and guests. The updated kitchen opens to the dining area and spacious family room with vaulted ceilings and features beautiful marble countertops, stainless steel appliances, an induction range, an eat-at island, and more. Updates continue throughout the home with newer flooring, lighting, and additional improvements. The primary owner's suite features a vaulted ceiling, large walk-in closet, walk-in tile shower, and an updated whirlpool tub, creating a comfortable retreat at the end of the day. Outside, enjoy the covered front porch and private setting, or relax and entertain on the covered back porch overlooking the fenced backyard. Turtle Cove offers an incredible lake-community lifestyle with amenities for members including a private 9-hole executive golf course, swimming pool, clubhouse with dining and lounge, five beaches, four boat ramps, pickleball courts, tennis courts, and more, providing plenty of opportunities to enjoy Lake Jackson and the outdoors.

489 Pelican Circle, Monticello

Listing courtesy of Extol Realty.

112 Goldeneye Court, Monticello
$364,900
4 Beds ⋅ 3 Baths ⋅ 10835732 MLS
NEW PRICE and ADDITIONAL CLOSING COST INCENTIVE!! Beautiful NEW CONSTRUCTION at Jackson Lake!! Crawford Crafted Homes HAWKINS III- one of their MOST LOVED floor plans, nicely nestled on beautiful 1/2 (approx) acre lot in Turtle Cove!! This spacious 4-bedroom, 3-bath home offers a layout that just WORKS, including a private bedroom and full bath on the main level...deal for guests, in-laws, older kids, or a home office! Upstairs, retreat to the generous OWNER'S SUITE featuring HUGE walk-in closet, fabulous wet area with custom tile shower and soaking tub, and large double vanity. The heart of the home is an open, inviting kitchen offering GORGEOUS GRANITE COUNTERS, LARGE KITCHEN ISLAND, SOFT-CLOSE CABINET DOORS, and plenty of space to gather. Custom built-in drop zone from garage entry keeps everyday life organized, while the electric fireplace adds the perfect cozy touch! Take the fun outside to the covered back PORCH-made for football Saturdays, grilling out, and relaxing year-round! Beautiful sodded lawn with additional zone of irrigation. Turtle Cove offers a lifestyle that's hard to beat with PRIVATE COMMUNITY BEACHES and direct access to JACKSON LAKE, plus a pool, clubhouse with full-service restaurant, pickleball/tennis courts, basketball, playgrounds, and more! Builder now offering up to $7,000 contribution toward Buyer's closing costs with preferred lender! THE HAWKINS III continues to be a Turtle Cove favorite for a reason-COME SEE THIS ONE BEFORE IT'S GONE! PHOTOS OF PREVIOUS BUILD, not actual but similar plan and finishes may vary. Home is UNDER CONSTRUCTION with estimated completion mid October 2026.

112 Goldeneye Court, Monticello

Listing courtesy of Blue Door Associates, LLC.

461 Cardinal Drive, Monticello
$215,000
3 Beds ⋅ 2 Baths ⋅ 10826903 MLS
Lake Community Living at Its Best! Move-in ready 3-bedroom, 2-bath home in the desirable Turtle Cove community, offering partial lake views and direct lake access through the adjacent green space. This beautifully updated home features new luxury vinyl plank flooring throughout, fresh interior paint, a bright and spacious open-concept living area, custom built-in bookshelves, and a well-appointed kitchen with custom cabinetry. All appliances convey with the sale, including the washer and dryer. Additional interior upgrades include updated fixtures, new vanity countertops, and new shower liners. Step outside to a large deck overlooking the lake-perfect for relaxing or entertaining. The stand-up crawl space provides excellent storage and features a new vapor barrier. Major systems have been maintained, with the roof and HVAC recently serviced. The exterior has been pressure washed and refreshed with new trim paint. Conveniently located on Cardinal Drive, this home is just moments from community beaches and the clubhouse. Residents of Turtle Cove enjoy an exceptional lifestyle with amenities including a golf course, a newly renovated clubhouse featuring a full-service restaurant and bar, a large partially covered swimming pool, pickleball courts, white-sand beaches, and three boat ramps providing easy access to the lake. Don't miss this opportunity to own an updated home with lake access and resort-style amenities in one of the area's most sought-after lake communities!

461 Cardinal Drive, Monticello

Listing courtesy of The American Realty.

84 Swallow Court, Monticello
$399,800
4 Beds ⋅ 3 Baths ⋅ 10798029 MLS
Welcome to 84 Swallow Court in the sought-after Turtle Cove community where modern craftsmanship meets resort-style living. Built in 2024 and impeccably maintained, this home shows like new and offers the perfect blend of style, comfort, and functionality. From the moment you arrive, you'll notice the striking Craftsman-style exterior featuring board and batten and Hardie siding, stone accents, professional landscaping, and inviting front and rear covered porches ideal for relaxing or entertaining. Inside, the home is filled with natural light and thoughtfully designed finishes throughout. Luxury vinyl plank flooring spans the main living areas, complemented by level 2 quartz countertops in both the kitchen and bathrooms. The open-concept living space is anchored by a sleek linear electric fireplace, flowing seamlessly into the chef' s kitchen complete with stainless steel appliances (including refrigerator), pot filler, soft-close cabinetry, and stylish pendant lighting. The primary suite is a true retreat, featuring a spacious walk-in closet, dual vanities with soft-close cabinets, a soaking tub, and a beautifully tiled walk-in shower with glass enclosure. Secondary bedrooms are generously sized with ample closet space, while the upstairs fourth bedroom with a full bath offers the perfect setup for a private guest or teen suite. Additional highlights include a well-appointed laundry room with utility sink and space for storage and folding, built-in hallway shelving, a two-car garage with a dedicated storage room, and an electric vehicle charging station. Energy-efficient spray foam insulation adds to the home' s overall comfort and efficiency. Located in Turtle Cove, residents enjoy access to an incredible array of amenities including multiple lakefront beaches, swimming, tennis, golf, clubhouse, and more bringing everyday living and recreation together in one vibrant community. This is a rare opportunity to own a nearly new home without the wait schedule your showing today.

84 Swallow Court, Monticello

Listing courtesy of Atlanta Fine Homes - Sotheby's Int'l.

Start Your Search

© 2026 Georgia MLS. All rights reserved. Information Deemed Reliable But Not Guaranteed.