Welcome to this 4-bedroom, 2-bath home in Monticello, set outside of a formal subdivision with no mandatory HOA. With 1,674 square feet of finished living space, this floor plan offers generous gathering spaces as well as comfortable private retreats. A bright, open kitchen offers generous workspace, storage, and a direct view into the main gathering spaces. A central family room and dining area provide a welcoming place to unwind, gather, and enjoy time together. Outside, the property offers approximately 1 acres, giving ample room to relax, play, or plan future outdoor projects. Practical parking available for multiple vehicles 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. At $199,900, this home is well positioned for buyers seeking value in Monticello.