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428 Columbia Avenue, Monticello, KY 42633

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For Sale

$227,000

3 beds • 2 baths • 1,470 sqft

Estimated Payment

$ 1,190 /mo. †

6.85% APR for 30 yrs.
$0 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $154.42
    Price per square foot

Explore this Property

| Welcome to 428 Columbia Avenue! | Immediately upon entering from the spacious covered front porch, you'll notice light spills into every room of this open and inviting floor plan! Original hardwood floors flowing throughout the living room and dining room add warmth and charm with every step. Just around the corner is a generously sized kitchen with plenty of cabinet and counter space. A corner pantry adds even more storage. The current owners have utilized the extra floor space for a coffee bar and dining table, but you could easily fit an island and barstools instead! Off the kitchen is an oversized full bath and laundry area. Finishing up the first floor is Bedroom #1, which could be utilized as a guest suite, with access to the full bath, or would make a perfect home office. High Speed Fiber Internet is already ran to the house, making working or learning from home easy! Leading you to the second floor is a feature of the house that everyone falls in love with, the craftsman style switchback staircase. This original feature is certain to provoke nostalgic thoughts or dreams of children racing down on Christmas Morning! Upstairs you'll find a second Full Bath, Bedroom #2 offering a large walk-in closet, Bedroom #3 (also has a good sized closet), and a non-conforming Bedroom #4 (this one has no closet, but plenty of room for a dresser or armoire). All of these rooms are spacious with plenty of natural light. A built in gate gives the option to close off the stairs, keeping pets or children safe. |Additional Features:| -Full Walk-Out Basement (unfinished, but with concrete floor. Dry and perfect for storage!) -Detached 2 Car Garage (Easily fits two vehicles with room to spare! Additional storage space in attic) -Back Deck overlooking nice sized backyard -Convenient Location: A short walk away is Downtown Monticello, which is home to the Farmer's Market, Mainstreet Bookstore (Story Time every Saturday morning), and various other locally owned businesses and festivals held throughout the year! The city park is 1 mile away as well. Schedule a showing to experience the charm of this American Classic, located in the heart of friendly Monticello!
MLS# 25001485

Courtesy Of Lake Cumberland Real Estate Professionals

(606) 677-0059

Property Features

  • Amenities
    Deck, Porch
  • Appliances
    Dishwasher, Range, Washer
  • Architecture Style
    Other
  • Exterior Type
    Aluminum Siding, Vinyl Siding
  • Floor Covering
    Carpet, Hardwood, Tile
  • Lot Size
    0.44 Acres
  • Rooms
    Dining Room, Kitchen, Living Room

Map and Directions

Directions to 428 Columbia Avenue, Monticello, KY 42633

Home seller CENTURY 21 Advantage Realty

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Advantage Realty

(606) 451-1021
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Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $1,190
  • Property Taxes
    $0
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $1,190

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Bell Elementary School

Grades 1-2 Public School

Monticello, KY 42633 0.6 miles
278 kenny davis blvd

425 total students
15:1 Student teacher ratio

School Details

Monticello Elementary School

Grades 3-5 Public School

Monticello, KY 42633 0.3 miles
160 cave st

645 total students
16:1 Student teacher ratio

School Rating: D

School Details

Walker Early Learning Center

Grades PK-KG Public School

Monticello, KY 42633 0.9 miles
1080 s main st

360 total students
17:1 Student teacher ratio

School Details

Wayne County Middle School

Grades 6-8 Public School

Monticello, KY 42633 0.7 miles
95 champion dr

694 total students
17:1 Student teacher ratio

School Rating: C-

School Details

Wayne County High School

Grades 9-12 Public School

Monticello, KY 42633 0.7 miles
2 kenny davis blvd

928 total students
19:1 Student teacher ratio

School Rating: C-

School Details
Other Nearby Schools Distance Type Grades School Rating
Immanuel Christian Academy 0.4 miles Private PK-10
Wayne County Area Technology Center 0.7 miles Public 8-12
Wayne County Learning Academy 0.8 miles Public 6-12

Immanuel Christian Academy

Distance: 0.4 miles

Type Private

Grades: PK-10

Wayne County Area Technology Center

Distance: 0.7 miles

Type Public

Grades: 8-12

Wayne County Learning Academy

Distance: 0.8 miles

Type Public

Grades: 6-12

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Monticello, KY 42633

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Monticello, KY 42633

This community’s employment is highest in the production occupations and administrative support industries. The area’s overall household expenses are above the national average.

86° July
Hottest Average Month
24° January
Coldest Average Month
8,342 Total Households in Area
1.5% Increase in population since the year 2010
33.2%
of households
have children
22 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Monticello, KY 42633

Monticello, KY 42633 has a population of 19,187 people in 8,342 households with a median age of 44.3 years old.

1.5%
Increase in population
since the year 2010
Population is Trending up
7,787
Total households as of 2010
5.1%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 44.3 years old. The smallest percentage group is 55-64 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 92%
Hispanic 5%
Other 3%
Black 1%
Asian <1%
Native American <1%
The most prevalent ethnicity is White at 92%, followed by Hispanic at 5%, Other at 3%, and Black at 1%.

Economics
for Monticello, KY 42633

41 /sq mi
Population Density
$44,127 /yr
Median Household Income
$126,850
Median Sales Price
22 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 21.55% of the households.

Transportation to Work

  • Drive 92%
  • Work from Home 6%
  • Walk or Bike 1%
  • Public Transit 0%

Occupancy by Type

Owned 6,061 61%
Rented 2,281 23%
Vacant 1,577 16%

White vs Blue Collar Jobs







White Collar 58%
Blue Collar 42%

Family & Education Facts
for Monticello, KY 42633

44.3 Median Age

Average Household Size

2.3
persons per
household

54.5%

Married Households

Community Population By Education

High School Graduate 42%
Some High School 21%
Some College 16%
Bachelors Degree 10%
Graduate Degree 6%
Associates Degree 5%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 41.62% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
33.1% of households have children

Weather
for Monticello, KY 42633

The weather for this area ranges from a high of 86° F in July to a low of 24° F in January

86° July
Hottest Average Month
24° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
24°
44°
Feb
27°
49°
Mar
34°
58°
Apr
43°
69°
May
51°
76°
Jun
60°
83°
Jul
64°
86°
Aug
62°
85°
Sep
56°
80°
Oct
44°
70°
Nov
35°
58°
Dec
28°
48°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Lexington-Bluegrass Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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