Welcome to this 2-bedroom, 1-bath home in Monticello, set outside of a formal subdivision with no mandatory HOA. With 890 square feet of finished living space, this floor plan offers generous gathering spaces as well as comfortable private retreats. The kitchen functions as the heart of the home with ample counter space, storage, and a natural connection to the main living areas. The main living areas are filled with natural light and provide an easy flow for hosting friends or enjoying quiet evenings at home. A private backyard adds extra space for play, pets, or simple relaxation. The property includes parking available, offering convenience for residents and guests. Located in Monticello but outside a traditional subdivision, this home combines neighborhood convenience with a non HOA setting. After roughly 284 days on the market, this home remains a strong option in the area. Currently offered at $169,000, this home delivers a strong combination of space, condition, and location.