1012 S Main Ave, Monticello, FL 32344 Property Records

Jefferson County property record for 1012 S Main Ave, Monticello, FL 32344

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,280 sqft · built 1977
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Aug 2026)
Tax Bill	$2,360 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`33-2N-4E-0110-0000-1200`

Property Details

APN / Parcel Number

Primary APN	`33-2N-4E-0110-0000-1200`
Alternative APN	`8593`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,280 sqft Living Area
Gross Area	2,580 sqft
1st Floor Area	2,280 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1995
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Area	575 sqft
Porch	Patio
Porch Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1012 S MAIN AVE
City	MONTICELLO
State	FL
Zip	32344-5814
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5.00 ACRES LOT 120 N FLA PECAN W/ 2AC IN SECT 34-- ORB 108 P 159,160 & 175 & 453 P 226 & 228 & 678 P 95 & B 702 P 498
Legal Range	04E
Legal Township	02N
Legal Section	33
Legal Subdivision	NORTH FLA PECAN CO
Legal Lot Number	120
Jurisdiction	JEFFERSON FL
Township / Civil Division	MONTICELLO
Census Block Group	3
Census Block	3018
Census Tract	250104

Owner

Source: Jefferson County records, as of September 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1012 S MAIN AVE, MONTICELLO, FL 32344-5814
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Mar 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 14, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2026 · Amount on Record
Deed Sale	Aug 31, 2026 · Amount on Record
Prior Sale	Jun 18, 2014 · Amount on Record
Deed Document Number	20262828
Deed Book / Page	889 / 204
Prior Transfer Date	Dec 4, 2020
Prior Transfer Doc	0007930839
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON FL
Recording Date	Aug 31, 2026
Property Address	1012 S MAIN AVE, MONTICELLO, FL 32344-5814
Document Number	0000002828
Book / Page	889 / 204
Instrument Date	Aug 28, 2026
Instrument	20262828
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	HAYWARD TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$254,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 S MAIN AVE, MONTICELLO, FL 32344-5814

Mortgage

Document Number	0000002829,
Date	Aug 31, 2026
Instrument	20262829

Lender

Name	CHANGE LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON FL
Property Address	1012 S MAIN AVE, MONTICELLO, FL 32344-5814
Transaction Type	Mortgage
Record Updated	Feb 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008190354
Date	Mar 23, 2022
Book Page	819/354
Instrument	202233000843

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON FL
Property Address	1012 S MAIN AVE, MONTICELLO, FL 32344-5814
Transaction Type	Mortgage
Record Updated	Feb 7, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007970001
Date	Feb 1, 2021
Book Page	797/1
Instrument	202133000300

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Aug 1, 2050

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON FL
Recording Date	Dec 14, 2020
Property Address	1012 S MAIN AVE, MONTICELLO, FL 32344-5814
Document Number	0007930839
Book / Page	000793 / 000839
Instrument Date	Dec 4, 2020
Instrument	33003432
Transaction Type	Transfer
Record Updated	Jan 13, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 S MAIN AVE MONTICELLO FL 323445814, MONTICELLO, FL 32344-5814

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Jefferson County
Unified School District	Jefferson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,360.00	$189,177 (+2.7%)	$271,101 (-0.98%) Land $60,000 Building $211,101
2024	$2,360.00 (+2.39%) Homeowner's exemption	$184,203 (+2.79%)	$273,773 (+5.35%) Land $60,000 Building $213,773
2023	$2,305.00 (+7.46%) Homeowner's exemption	$179,206 (+2.3%)	$259,872 (+14.19%) Land $45,000 Building $214,872
2022	$2,145.00 Homeowner's exemption	$175,177	$227,576 Land $45,000 Building $182,576

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	100 / 10

May also be available: Conexon Connect, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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