Waterfront Homes for Sale in Monticello, GA

By Jon Brooks, Co-Founder, Momentum Realty · Updated September 27, 2026

This page tracks every Monticello listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.

34 waterfront homes are for sale or pending in Monticello, GA today across 12 communities. The median asking price is $632,000, from $215,000 to $1,950,000. Listings in Monticello without that feature have a median of $375,000. Most listings right now: Turtle Cove (16), Turtle Cove (3), Deeded (2). Updated September 27, 2026 from the MLS.

Live waterfront homes in Monticello: the listings

28 active listings carry the flag today (41% of Monticello inventory), median asking $662,500, $247/sq ft, median 20 days on market. Photo cards link to the listing; refreshed nightly.

Newest waterfront homes in Monticello

$850,000 New

5 bd · 3.5 ba · 4,130 sq ft · built 2007

613 Van Morrison Road, 31064

Jackson Lake Farms

Listing courtesy of Pinnacle Realtors

$650,000 New

3 bd · 2 ba · 1,482 sq ft · built 1985

411 Sandpiper Drive, 31064

Listing courtesy of McLeRoy Realty

$499,000 New

3 bd · 2 ba · 1,624 sq ft · built 1973

177 Nighthawk Court, 31064

Turtle Cove

Listing courtesy of The American Realty

$265,000 New

3 bd · 2 ba · 1,086 sq ft · built 2005

137 Dunlin Court, 31064

Turtle Cove

Listing courtesy of Madison Realty

$399,900 New

4 bd · 3 ba · 1,970 sq ft · built 2026

673 Pelican Circle, 31064

Turtle Cove

Listing courtesy of The American Realty

$725,000 New

4 bd · 3 ba · 2,900 sq ft · built 1984

780 Eagle Drive, 31064

Listing courtesy of Crye-Leike, Realtors

$1,000,000

5 bd · 3 ba · 4,165 sq ft · built 1992

918 Eagle Drive, 31064

Turtle Cove

Listing courtesy of Ansley Real Estate | Christie's Int

$799,500

5 bd · 4 ba · 2,900 sq ft · built 1988

2601 Turtle Cove, 31064

Turtle Cove

Listing courtesy of Lake Homes Realty LLC

$675,000

5 bd · 3 ba · 3,556 sq ft · built 1989

318 E Mourning Dove Court, 31064

Turtle Cove

Listing courtesy of Lake Homes Realty LLC

$607,000

3 bd · 2.5 ba · 2,204 sq ft · built 2023

590 Brookwood Drive, 31064

Listing courtesy of Keller Williams Premier

$595,000

3 bd · 2 ba · 2,207 sq ft · built 1977

766 Raven Road, 31064

Turtle Cove

Listing courtesy of Dover Realty Co. Inc.

$589,500

2 bd · 2 ba · 1,400 sq ft · built 1993

287 Late Rise Road, 31064

Ga Power

Listing courtesy of Lake Homes Realty LLC

$480,000

4 bd · 2.5 ba · 1,827 sq ft · built 1994

326 E Mourning Dove Court, 31064

Turtle Cove

Listing courtesy of The American Realty

$460,000

3 bd · 2 ba · 2,978 sq ft · built 1998

94 Wild Turkey Court, 31064

Turtle Cove

Listing courtesy of The American Realty

$323,000

3 bd · 2.5 ba · 1,820 sq ft · built 2026

23 Thrusher Court, 31064

Turtle Cove

Listing courtesy of The American Realty

$1,750,000

5 bd · 4.5 ba · 5,982 sq ft · built 2003

781 Cardinal Drive, 31064

Turtle Cove

Listing courtesy of Century 21 Integra

$1,950,000

5 bd · 6.5 ba · 7,305 sq ft · built 2026

20 Quiet Cove Way, 31064

Peninsula at Jackson Lake

Listing courtesy of Re/Max Tru, Inc.

$1,570,000

5 bd · 5 ba · 5,430 sq ft · built 2023

5700 Goolsby Road, 31064

Listing courtesy of Keller Williams Premier

$215,000

3 bd · 2 ba · 1,344 sq ft · built 1989

461 Cardinal Drive, 31064

Turtle Cove

Listing courtesy of The American Realty

$364,900

4 bd · 2.5 ba · 2,090 sq ft · built 2024

33 Pheasant Court, 31064

Turtle Cove

Listing courtesy of The American Realty

$615,000

6 bd · 4 ba · 4,451 sq ft · built 2018

74 Water Oak Drive, 31064

Listing courtesy of Keller Williams Premier

$919,000

3 bd · 3.5 ba · 3,800 sq ft · built 1988

161 Flamingo Court, 31064

Tc Lake Front

Listing courtesy of Virtual Properties Realty.com

$699,000

4 bd · 3.5 ba · 2,500 sq ft · built 1960

134 Lakeshore Drive, 31064

Alcovy Shores Lake

Listing courtesy of Keller Williams Realty Atl. Partners

$999,900

4 bd · 3.5 ba · 3,645 sq ft · built 1999

9210 Jackson Lake Road, 31064

Jackson Lake Deeded

Listing courtesy of Dover Realty Co. Inc.

$749,000

3 bd · 2.5 ba · 3,600 sq ft · built 1990

71 Canvasback Court, 31064

Turtle Cove

Listing courtesy of Lake Homes Realty LLC

$1,200,000

5 bd · 3 ba · 4,290 sq ft · built 2007

8258 Jackson Lake Road, 31064

Listing courtesy of Crossroads Realty LLC

$319,900

3 bd · 2.5 ba · 1,820 sq ft · built 2026

132 Meadowlark Drive, 31064

Turtle Cove

Listing courtesy of The American Realty

$725,000

5 bd · 4.5 ba · 6,579 sq ft · built 2008

10766 Ga Highway 212, 31064

Listing courtesy of SouthSide, REALTORS

The most expensive waterfront homes in Monticello

Listing	Asking	Sq ft	Community
20 Quiet Cove Way	$1,950,000	7,305	Peninsula at Jackson Lake
781 Cardinal Drive	$1,750,000	5,982	Turtle Cove
5700 Goolsby Road	$1,570,000	5,430	—
8258 Jackson Lake Road	$1,200,000	4,290	—
918 Eagle Drive	$1,000,000	4,165	Turtle Cove
9210 Jackson Lake Road	$999,900	3,645	Jackson Lake Deeded
161 Flamingo Court	$919,000	3,800	Tc Lake Front
613 Van Morrison Road	$850,000	4,130	Jackson Lake Farms
2601 Turtle Cove	$799,500	2,900	Turtle Cove
71 Canvasback Court	$749,000	3,600	Turtle Cove

Waterfront Homes by price

Band	For sale	Share
Under $300K	2	7%
$300K–$500K	7	25%
$500K–$750K	10	36%
$750K–$1M	4	14%
$1M+	5	18%

Monticello waterfront homes by community

Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.

What waterfront ownership really costs

Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.

Questions to ask about any waterfront listing

Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.

Common questions

Keep exploring Monticello

• All homes for sale in Monticello
• Monticello golf course homes
• Monticello 4-bedroom homes
• Monticello homes under $300K
• Monticello homes $300K–$500K
• Waterfront Homes in every city

Live data: Georgia MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Monticello, GA whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.