2481 Upper Cody Rd, Monticello, FL 32344 Property Records

Jefferson County property record for 2481 Upper Cody Rd, Monticello, FL 32344

Property Summary

Property Type	Rural Home
Details	1 bd · 1 ba · 2,570 sqft · built 2020
Lot Size	20.8 acres (908,662 sqft)
Owner	Individual Name on File
Last Sale	$72,000 (Dec 2018)
Tax Bill	$4,870 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2019 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-1S-3E-0000-0032-0000`

Property Details

APN / Parcel Number

Primary APN	`28-1S-3E-0000-0032-0000`
Alternative APN	`4508`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	2,570 sqft Living Area
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	908,662 sqft (20.8 acres)
Garage Area	420 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2481 UPPER CODY RD
City	MONTICELLO
State	FL
Zip	32344-8147
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	20.86 ACRES IN S PT OF NW1/4 OF SE1/4 ORB 651 P 533
Legal Range	03E
Legal Township	01S
Legal Section	28
Jurisdiction	JEFFERSON FL
Township / Civil Division	WACISSA
Census Block Group	2
Census Block	2037
Census Tract	250200

Owner

2481 Upper Cody Rd, a rural home, is owned and occupied by an individual who bought it in December 2018.

Source: Jefferson County records, as of December 12, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2481 UPPER CODY RD, MONTICELLO, FL 32344-8147
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Nov 25, 2019	Deed of Trust, Mortgage · Construction Mortgage CAPITAL CITY BANK
Sep 25, 2020	Loan Modification, Mortgage CAPITAL CTY BK
Dec 28, 2018	Warranty Deed, Transfer · ARM CAPITAL CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2018 · Amount on File
Deed Sale	Dec 28, 2018 · Amount on File
Deed Document Number	201833003412
Deed Book / Page	0763 / 0423
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON FL
Property Address	2481 UPPER CODY RD, MONTICELLO, FL 32344-8147
Transaction Type	Mortgage
Record Updated	Feb 15, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2481 UPPER CODY RD, MONTICELLO, FL 32344-8147

Mortgage

Document Number	0008060372
Date	Jul 14, 2021
Book Page	806/372
Instrument	202133002306

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON FL
Property Address	2481 UPPER CODY RD, MONTICELLO, FL 32344-8147
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007760700
Date	Nov 25, 2019
Book Page	0776/0700
Instrument	201933003202

Lender

Name	CAPITAL CITY BANK
Type	Bank
Address	TALLAHASSEE, FL 32308

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Dec 1, 2050

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JEFFERSON FL
Property Address	2481 UPPER CODY RD, MONTICELLO, FL 32344-8147
Document Number	0007910730
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Dec 1, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2481 UPPER CODY RD MONTICELLO FL 323448147, MONTICELLO, FL 32344-8147

Mortgage

Document Number	0007910730
Date	Nov 2, 2020
Book Page	000791/000730
Instrument	33003003

Lender

Name	CAPITAL CTY BK
Type	Bank
Address	TALLAHASSEE, FL 32308

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON FL
Recording Date	Dec 28, 2018
Property Address	2481 UPPER CODY RD, MONTICELLO, FL 32344-8147
Document Number	0007630423
Book / Page	0763 / 0423
Instrument Date	Dec 21, 2018
Instrument	201833003412
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$504.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12357 MAHAN DR, TALLAHASSEE, FL 32309-9569

Mortgage

Document Number	201833003413
Date	Dec 28, 2018
Instrument	201833003413

Lender

Name	CAPITAL CITY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2034

Interest

Rate Type	Adjustable Rate
Rate	8.95%
Type Change Date	Jan 1, 2024
Change Frequency	Annually
Min Rate At Change	8.9%
Max Rate At Change	10.9%
Index	1-Year CMT
Max Rate	14.9%

Tax Assessment & Valuation

The 2025 property tax bill for 2481 Upper Cody Rd was $4,870 with a homeowner's exemption.

Source: Jefferson County assessment roll, as of July 1, 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	$4,870.00 Homeowner's exemption	$384,664 (+5.05%)	$503,870 (+7.97%) Land $10,050 Building $493,820
2024	$4,870.00 (+4.51%) Homeowner's exemption	$366,179 (+2.98%)	$466,697 (-9.5%) Land $7,787 Building $458,910
2023	$4,660.00 (+5.14%) Homeowner's exemption	$355,595 (+2.98%)	$515,664 (+16.52%) Land $11,287 Building $504,377
2022	$4,432.00 Homeowner's exemption	$345,319	$442,547 Land $8,787 Building $433,760

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2481 Upper Cody Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 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

Wildfire risk around 2481 Upper Cody Rd is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · above 41% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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