Charming historic home with bonus guest cottage, located on the most beautiful oak lined street in picturesque Monticello, Florida. OWNER FINANCING AVAILABLE call for convenient terms. Enjoy small-town living in this updated home featuring a 2020 Roof, 2022 HVAC, 2025 Water Heater, Updated Electrical, CPVC and Copper Plumbing, Schedule 40 sewer piping, and mostly updated windows. Relax on the inviting wrap-around porches or sundeck, perfect for enjoying peaceful mornings and evenings. Inside, the home offers formal living and dining rooms, a spacious owner's suite with en suite bath and dual walk-in closets and beautiful hard wood floors. A galley kitchen with SS appliances, large pantry and sunny breakfast room with guest bath. Spacious laundry room with W/D 2nd refrigerator and ample storage. Upstairs, you'll find a second master suite with an updated bath and walk-in closet. Also 2 additional bedrooms and full bath. Situated on a generous .91-acre lot with 2 Homes an above-ground pool and two fenced areas, ideal for pets or even a chicken coop! The separate guest cottage, built in 1987, features a full kitchen, bath, living room, washer/dryer, carport, and separate utility meterperfect for rental income or multi-generational living. Walk to charming local restaurants, antique shops, and live performances at the Monticello Opera House, or enjoy nearby outdoor adventures and historic attractions. Main Home is 4 bedroom 3 1/2 Baths and the guest cottage is 718 Square feet not included in listing square footage total. Please schedule an appointment with a 24 hour notice would be appreciated as the home is occupied.