# 3997 E First Rd, Monticello, IN 47960

> **TL;DR:** 3bd/2ba single family, $319,000 ($178/sqft), built 1983, 1,792 sqft.
> Fireplace, Waterfront, A/C. Est. $1,856/mo. Listed 54 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $319,000 |
| Price/sqft | $178 |
| Bedrooms | 3 |
| Bathrooms | 1 full, 1 half |
| Square Feet | 1,792 |
| Year Built | 1983 |
| Lot Size | 16,988 sqft (0.39 acres) |
| Stories | 1 |
| Property Type | Single Family (Other) |
| Status | Active |
| Days on Market | 54 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,613 |
| Estimated Insurance | $93 |
| HOA | $150 |
| **Total** | **$1,856** |

## Nearby Schools

- **Elementary:** North White Primary
- **Middle:** North White Jr/Sr
- **High:** North White Jr/Sr

## Key Amenities

- Fireplace
- Waterfront
- A/C

## Property Highlights

- Built in 1983
- 0.39 acre lot
- Fireplace
- Waterfront

## Description

### Agent Description
This darling Cape Cod home is on a beautiful, pine-tree-lined lot and has drive-by appeal sure to impress. Situated between Lake Shafer and the Big Monon, you are just a short walk or golf cart ride to your Lake Shafer easement, complete with a slip for your boat. There are three bedrooms, including a main-floor primary bedroom with an attached bath. The living room includes a gas-log fireplace, and the kitchen opens to the deck with a retractable awning. All the appliances, including washer, dryer, and water softener, are included. There is a heated & cooled one-car attached garage, plus a nice 24x30 Morton pole building that is heated and insulated, and even a cute shed, all offering excellent storage for your hobbies and water toys. Best of all, you can be on the water in just a minute!

## Location

- **Address:** 3997 E First Rd, Monticello, IN 47960
- **County:** White County
- **Coordinates:** 40.826376, -86.793904
- **Google Maps:** https://www.google.com/maps?q=40.826376,-86.793904

## Virtual Tour & Media

- **Video Tour:** https://www.propertypanorama.com/instaview/irmls/202629428

## Listing Agent

- **Name:** Chris Thayer
- **Brokerage:** Real Estate Network
- **Phone:** 5748701354
- **Broker Phone:** (574) 583-8181

## Photos

![3997 E First Rd - Photo 1](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f3242700127r.jpg)

![3997 E First Rd - Photo 2](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f1402812047r.jpg)

![3997 E First Rd - Photo 3](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f701817753r.jpg)

![3997 E First Rd - Photo 4](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f2346411420r.jpg)

![3997 E First Rd - Photo 5](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f2721440560r.jpg)

![3997 E First Rd - Photo 6](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f1646317252r.jpg)

![3997 E First Rd - Photo 7](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f714573263r.jpg)

![3997 E First Rd - Photo 8](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f1044565296r.jpg)

![3997 E First Rd - Photo 9](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f818156933r.jpg)

![3997 E First Rd - Photo 10](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f2912174096r.jpg)

![3997 E First Rd - Photo 11](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f3717425163r.jpg)

![3997 E First Rd - Photo 12](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f1130230796r.jpg)

![3997 E First Rd - Photo 13](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f473433313r.jpg)

![3997 E First Rd - Photo 14](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f396389275r.jpg)

![3997 E First Rd - Photo 15](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f2890476585r.jpg)

![3997 E First Rd - Photo 16](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f2711298296r.jpg)

![3997 E First Rd - Photo 17](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f2947620622r.jpg)

![3997 E First Rd - Photo 18](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f777067065r.jpg)

![3997 E First Rd - Photo 19](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f3777195135r.jpg)

![3997 E First Rd - Photo 20](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f2538629372r.jpg)

![3997 E First Rd - Photo 21](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f2448971631r.jpg)

![3997 E First Rd - Photo 22](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f1490321166r.jpg)

![3997 E First Rd - Photo 23](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f3826975777r.jpg)

![3997 E First Rd - Photo 24](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f742174366r.jpg)

![3997 E First Rd - Photo 25](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f603392825r.jpg)

![3997 E First Rd - Photo 26](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f1239642265r.jpg)

![3997 E First Rd - Photo 27](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f3485519468r.jpg)

![3997 E First Rd - Photo 28](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f2806409390r.jpg)

![3997 E First Rd - Photo 29](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f2743989107r.jpg)

![3997 E First Rd - Photo 30](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f1386969571r.jpg)

![3997 E First Rd - Photo 31](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f1748523299r.jpg)

![3997 E First Rd - Photo 32](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f1080818507r.jpg)

![3997 E First Rd - Photo 33](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f514670672r.jpg)

![3997 E First Rd - Photo 34](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f3963531153r.jpg)

![3997 E First Rd - Photo 35](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f26691164r.jpg)

![3997 E First Rd - Photo 36](http://lh.rdcpix.com/ed7ffa44ec486657f02731001b953b69l-f1029680407r.jpg)

---

**MLS#:** 202629428 | **Updated:** 2026-09-13
**Source:** listhub

*Copyright © 2026 White County 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.*

[View on PropertySimple](https://www.propertysimple.ai/listing/3997-e-first-rd-monticello-in-47960-02629428)

---

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