97 Liberty Street, Monticello, NY 12701

Some homes whisper. This one tells a story. It starts before you even reach the door. Heated front steps melt the snow and ice away beneath your feet, a detail so quietly luxurious you won't believe you ever lived without it. And that's just the threshold. Step inside and the air changes. Exposed timber beams stretch across the living room like the bones of something ancient and permanent. Custom built-in shelving frames the walls with intention. Natural light moves freely through oversized windows, catching the grain of rich wood paneling and warming ornate millwork that frames every doorway like an entrance to something worth arriving at. This isn't a home that was simply built. It was composed. The first-floor unit offers three bedrooms, two full bathrooms, and a half bath with a layout designed for the kind of flexibility most homes can't even imagine. One of the bedrooms lives entirely on its own terms, a separate entrance, its own half bath - making it the kind of space that could be a guest suite one week, a home office the next, or a quiet rental that earns while you sleep. Income without intrusion. Possibility without compromise. The kitchen is where the pace of this home reveals itself. Stainless steel appliances, expansive wood cabinetry, and generous prep space open into a separate dining room that was made for the kind of meals that turn into conversations that turn into memories. Nothing rushed. Nothing performative. Just a room that understands what gathering actually means. And then there's the primary suite. The bathroom alone would sell this home. Floor-to-ceiling detail surrounds you in a space that feels less like a room and more like a ritual. A deep soaking tub waits at the center — the kind that dissolves the day the moment you sink in. And beside it, a walk-in sauna. Not a spa you drive to. Not a membership you forget to cancel. A sauna in your home, steps from your bed, turning every ordinary evening into something restorative. Something earned. Upstairs, the second unit unfolds with its own separate entrance, a self-contained one-bedroom, one-bath residence that lives completely apart from the main home. For the investor, this is the math that changes everything: short-term rental income in a market that rewards character and soul. A Queen Anne with this much presence doesn't sit empty on Airbnb. It books. For the homeowner who wants the second unit to carry part of the mortgage, this is the setup that turns a dream home into a smart one. Throughout the home, glass doors open to multiple decks, dissolving the line between indoors and out. The backyard feels like it belongs to a different zip code, patio space for slow evenings, room to breathe, and a fenced-in yard that wraps the whole scene in privacy and peace of mind. A whole-house generator keeps everything running no matter what the sky decides to do, your comfort, your investment, your peace of mind, all protected. Even the detached garage was designed to mirror the home's architecture, a small detail that reveals the depth of care behind every decision this property has ever known. A dedicated laundry room and walk-out basement round out the kind of everyday functionality that makes living here feel effortless. Set in Monticello, you're surrounded by some of the Hudson Valley and Catskills' most magnetic destinations. Bethel Woods. Hiking trails that disappear into the ridgeline. Resorts, dining, and the kind of weekend energy that reminds you why you moved here in the first place, all while sitting just about 90 minutes from New York City. Close enough to stay connected. Far enough to feel like a completely different life. This is the listing that makes people pull over. The one they screenshot. The one they send to their partner with no caption, because the photos say everything. A two-unit Queen Anne with this much architecture, this much income potential, and this much soul doesn't come around twice. It barely comes around once.