12840 Gamble Rd, Monticello, FL 32344 Property Records

Jefferson County property record for 12840 Gamble Rd, Monticello, FL 32344

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 4,255 sqft · built 1991
Lot Size	10.9 acres (478,724 sqft)
Owner	2 Individual Names on File
Last Sale	$680,000 (Aug 2024)
Tax Bill	$7,115 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Aug 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35-1S-3E-0000-0045-0000`

Property Details

APN / Parcel Number

Primary APN	`35-1S-3E-0000-0045-0000`
Alternative APN	`4660`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	4,255 sqft Living Area
1st Floor Area	1,408 sqft
Flooring	Carpet

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	478,724 sqft (10.9 acres)
Lot Width	478,724 ft Width
Garage Type	Carport
Garage Area	256 sqft
Carport	Carport
Carport Area	256 sqft
Porch	Finished/Open Porch
Porch Area	960 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12840 GAMBLE RD
City	MONTICELLO
State	FL
Zip	32344-0445
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10.99 ACRES PT OF SE1/4 OF SEC 35 & PT OF SW1/4 OF SEC 36 ORB 580 P 592 & 677 P 406
Jurisdiction	JEFFERSON FL
Township / Civil Division	WACISSA
Census Block Group	2
Census Block	2096
Census Tract	250200

Owner

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

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 File
Mailing Address	12840 GAMBLE RD, MONTICELLO, FL 32344-0445
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Aug 19, 2024	Warranty Deed, Transfer · VA Mortgage BAY CAPITAL MORTGAGE CORP
May 24, 2019	Intrafamily Transfer, Transfer · FHA Mortgage CU MEMBERS MORTGAGE
May 24, 2019	Correction Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 19, 2024 · Amount on Record
Deed Sale	Aug 19, 2024 · Amount on Record
Prior Sale	May 24, 2019
Deed Document Number	20242062
Deed Book / Page	855 / 539
Prior Transfer Date	May 17, 2019
Prior Transfer Doc	0007680657
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON FL
Property Address	12840 GAMBLE RD, MONTICELLO, FL 32344-0445
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12840 GAMBLE RD, MONTICELLO, FL 32344-0445

Mortgage

Document Number	0008770581
Date	Jan 16, 2026
Book Page	877/581
Instrument	202633000221

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2041

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON FL
Recording Date	Aug 19, 2024
Property Address	12840 GAMBLE RD, MONTICELLO, FL 32344-0445
Document Number	0008550539
Book / Page	855 / 539
Instrument Date	Aug 14, 2024
Instrument	202433002062
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,760.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10261 NW STATE ROAD 20, BRISTOL, FL 32321-6415

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12840 GAMBLE RD, MONTICELLO, FL 32344-0445

Mortgage

Document Number	0000855542
Date	Aug 19, 2024
Instrument	855/542

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

May 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON FL
Recording Date	May 24, 2019
Property Address	12840 GAMBLE RD, MONTICELLO, FL 32344-0445
Document Number	0007680657
Book / Page	0768 / 0657
Instrument Date	May 17, 2019
Instrument	201933001358
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12840 GAMBLE RD, MONTICELLO, FL 32344-0445

Mortgage

Document Number	0000768660
Date	May 24, 2019
Instrument	0768/660

Lender

Name	CU MEMBERS MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

May 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	JEFFERSON FL
Recording Date	May 24, 2019
Property Address	12840 GAMBLE RD, MONTICELLO, FL 32344-0445
Document Number	0007680654
Book / Page	000768 / 000654
Instrument Date	May 14, 2019
Instrument	33001357
Transaction Type	Transfer
Record Updated	Jun 13, 2019
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12840 GAMBLE RD MONTICELLO FL 323440445, MONTICELLO, FL 32344-0445

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	$7,115.00	$509,017 (+48.15%) Land $126,080 Building $382,937	$509,017 (+13.34%) Land $126,080 Building $382,937
2024	$7,115.00 (+65.23%) Homeowner's exemption	$343,572 (+6.33%)	$449,110 (+3.28%) Land $16,310 Building $432,800
2023	$4,306.00 (+74.97%) Homeowner's exemption	$323,130 (+65.78%)	$434,843 (+87.15%) Land $18,310 Building $416,533
2022	$2,461.00 Homeowner's exemption	$194,916	$232,356 Land $8,948 Building $223,408

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2008–2010)
Most Recent Claim	Jan 2010 · river or lake flooding

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 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20
Lumen Technologies DSL	10 / 1

May also be available: Verizon.

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