Welcome to this 3-bedroom, 2-bath home in Monticello, set outside of a formal subdivision with no mandatory HOA. With 2,188 square feet of finished living space, this floor plan offers generous gathering spaces as well as comfortable private retreats. The kitchen was planned for both everyday meals and special occasions, with plenty of room to cook, serve, and connect. A central family room and dining area provide a welcoming place to unwind, gather, and enjoy time together. Outside, the property offers approximately 0.63 acres, giving ample room to relax, play, or plan future outdoor projects. Practical parking available makes everyday living easier for households with multiple vehicles. Located in Monticello but outside a traditional subdivision, this home combines neighborhood convenience with a non HOA setting. On the market for about 14 days, this home offers an excellent opportunity in Monticello. At $237,500, this home is well positioned for buyers seeking value in Monticello.