308 Cherry Tree Rd, Monticello, FL 32344 Property Records

Jefferson County property record for 308 Cherry Tree Rd, Monticello, FL 32344

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,172 sqft · built 2000
Lot Size	6.25 acres (272,250 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (Apr 2026)
Tax Bill	$3,471 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Jul 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-1S-3E-0000-0022-0000`

Property Details

APN / Parcel Number

Primary APN	`01-1S-3E-0000-0022-0000`
Alternative APN	`3842`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,172 sqft Living Area
1st Floor Area	1,792 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2009
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	272,250 sqft (6.25 acres)
Lot Width	272,250 ft Width
Garage Type	Carport
Garage Area	624 sqft
Carport	Carport
Carport Area	624 sqft
Porch	Finished/Open Porch
Porch Area	456 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	308 CHERRY TREE RD
City	MONTICELLO
State	FL
Zip	32344-6912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6.25 ACRES IN S1/2 OF N1/2 OF NW1/4 LESS LAND SOLD-ORB 431 P 16 & 531 P 387 & 579 PGS 858 & 860 & 695 P 658
Legal Range	03E
Legal Township	01S
Legal Section	01
Jurisdiction	JEFFERSON FL
Township / Civil Division	WACISSA
Census Block Group	4
Census Block	4045
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	308 CHERRY TREE RD, MONTICELLO, FL 32344-6912
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2024	Deed of Trust, Mortgage · Line of Credit UNIVERSITY BANK
Jul 17, 2025	Deed of Trust, Mortgage · Line of Credit FIRST COMMERCE CU
Apr 1, 2026	Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE
Aug 5, 2022	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC
Jun 25, 2019	Warranty Deed, Transfer EASTMAN CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 1, 2026 · Amount on Record
Deed Sale	Apr 1, 2026 · Amount on Record
Prior Sale	Aug 5, 2022 · Amount on Record
Deed Document Number	20261098
Deed Book / Page	881 / 473
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON FL
Property Address	308 CHERRY TREE RD, MONTICELLO, FL 32344-6912
Transaction Type	Mortgage
Record Updated	Apr 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 CHERRY TREE RD, MONTICELLO, FL 32344-6912

Mortgage

Document Number	0008490747
Date	Mar 22, 2024
Book Page	849/747
Instrument	202433000702

Lender

Name	UNIVERSITY BANK
Type	Bank
Address	2015 WASHTENAW AVE, ANN ARBOR, MI 48104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 11, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON FL
Property Address	308 CHERRY TREE RD, MONTICELLO, FL 32344-6912
Transaction Type	Mortgage
Record Updated	Apr 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 CHERRY TREE RD, MONTICELLO, FL 32344-6912

Mortgage

Document Number	0008680270
Date	Jul 17, 2025
Book Page	868/270
Instrument	202533001888

Lender

Name	FIRST COMMERCE CU
Type	Credit Union
Address	TALLAHASSEE, FL 32314

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON FL
Recording Date	Apr 1, 2026
Property Address	308 CHERRY TREE RD, MONTICELLO, FL 32344-6912
Document Number	0000001098
Book / Page	881 / 473
Instrument Date	Apr 1, 2026
Instrument	20261098
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	ADVANTAGE TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$328,755.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 CHERRY TREE RD, MONTICELLO, FL 32344-6912

Mortgage

Document Number	0000001099,
Date	Apr 1, 2026
Instrument	20261099

Lender

Name	MOVEMENT MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON FL
Recording Date	Aug 5, 2022
Property Address	308 CHERRY TREE RD, MONTICELLO, FL 32344-6912
Document Number	0008250821
Book / Page	825 / 821
Instrument Date	Aug 1, 2022
Instrument	202233002363
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	NORTH FL ABSTRACT & TTL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	308 CHERRY TREE RD, 308, MONTICELLO, FL 32344-6912

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 CHERRY TREE RD, MONTICELLO, FL 32344-6912

Mortgage

Document Number	0008250823
Date	Aug 5, 2022
Book Page	825/823
Instrument	202233002364

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48034

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Sep 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.2%
Index	Other
Margin	3
Max Rate	10.2%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON FL
Recording Date	Jun 25, 2019
Property Address	308 CHERRY TREE RD, MONTICELLO, FL 32344-6912
Document Number	0007700195
Book / Page	000770 / 000195
Instrument Date	Jun 21, 2019
Instrument	33001692
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	ADVANTAGE TITLE GROUP, ADVANTAGE TITLE GRP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	308 CHERRY TREE RD MONTICELLO FL 323446912, MONTICELLO, FL 32344-6912

Mortgage

Document Number	7700198
Date	Jun 25, 2019
Book Page	000770/000198
Instrument	33001693

Lender

Name	EASTMAN CU
Type	Credit Union
Address	KINGSPORT, TN 37660

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2049

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	$3,471.00 Homeowner's exemption	$271,204 (-1.07%) Land $78,125 Building $193,079	$271,204 (-1.07%) Land $78,125 Building $193,079
2024	$3,471.00 (-4.01%) Homeowner's exemption	$274,130 (+0.57%) Land $78,125 Building $196,005	$274,130 (+0.57%) Land $78,125 Building $196,005
2023	$3,616.00 (+59.23%) Homeowner's exemption	$272,579 (+50.53%) Land $75,000 Building $197,579	$272,579 (+30.52%) Land $75,000 Building $197,579
2022	$2,271.00 Homeowner's exemption	$181,079	$208,843 Land $28,125 Building $180,718

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 57% of the US · lower than 69% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JEFFERSON COMMUNITIES WATER SYSTEM private · serves 2,649 people · EPA ID FL1330748
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 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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