313 SE Oak St, Madison, FL 32340 Property Records

Madison County property record for 313 SE Oak St, Madison, FL 32340

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,110 sqft · built 1955
Lot Size	0.223 acres (9,714 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Feb 2021)
Tax Bill	$1,694 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00-00-00-4476-002-000`

Property Details

APN / Parcel Number

Primary APN	`00-00-00-4476-002-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,110 sqft Living Area
Gross Area	1,318 sqft
1st Floor Area	1,110 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Overhead Door	Overhead Door

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Bungalow
Exterior Material	Shingles
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,714 sqft (0.223 acres)
Garage Type	Carport
Garage Area	168 sqft
Carport	Carport
Carport Area	168 sqft
Porch	Finished/Open Porch
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	313 SE OAK ST
City	MADISON
State	FL
Zip	32340-2762
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESIDE HGTS S/D BLK D LOT 27 & W 38 OF LOT 28 OR 106/610 OR 1118/122 OR 1385/98
Legal Range	09E
Legal Township	01N
Legal Section	27
Legal Subdivision	LAKESIDE HGTS S/D
Legal Block	D
Legal Lot Number	27
Jurisdiction	MADISON FL
Township / Civil Division	MADISON
Census Block Group	3
Census Block	3019
Census Tract	110302

Owner

313 SE Oak St is owned and occupied by an individual who bought it in February 2021.

Source: Madison County records, as of April 22, 2026

Owner of Record	Individual Name on File
Mailing Address	313 SE OAK ST, MADISON, FL 32340-2762
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
Mar 19, 2026	Deed of Trust, Mortgage · Line of Credit MADISON COUNTY COMMUNITY BANK
Feb 1, 2021	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2021 · Amount on File
Deed Sale	Feb 1, 2021 · Amount on File
Prior Sale	Feb 14, 2014 · Amount on File
Deed Document Number	202140000362
Deed Book / Page	1385 / 98
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON FL
Property Address	313 SE OAK ST, MADISON, FL 32340-2762
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016360343
Date	Mar 19, 2026
Book Page	1636/343
Instrument	202640001266

Lender

Name	MADISON COUNTY COMMUNITY BANK
Type	Bank
Address	MADISON, FL 32340

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Feb 25, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON FL
Recording Date	Feb 1, 2021
Property Address	313 SE OAK ST, MADISON, FL 32340-2762
Document Number	0013850098
Book / Page	1385 / 98
Instrument Date	Feb 1, 2021
Instrument	202140000362
Transaction Type	Transfer
Record Updated	Dec 16, 2021
Title Company	SMITH ABSTRACT AND TITLE COMPANY, SMITH ABSTRACT & TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4458 NE COUNTY ROAD 255, 4458, LEE, FL 32059-7521

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313SE SE OAK ST, MADISON, FL 32340

Mortgage

Document Number	0000138599
Date	Feb 1, 2021
Instrument	1385/99

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 313 SE Oak St was $1,694.

Source: Madison County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Madison County
Municipality	Madison City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,694.00	$79,589 Land $12,238 Building $67,351	$79,589 Land $12,238 Building $67,351
2023	$1,658.00 (+11.28%)	$80,675 (+22.31%) Land $11,189 Building $69,486	$80,675 (+22.31%) Land $11,189 Building $69,486
2022	$1,490.00	$65,957 Land $9,324 Building $56,633	$65,957 Land $9,324 Building $56,633

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

Flood

FEMA maps place 313 SE Oak St in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	15 (1986–2009)
Claims Outside the SFHA	2 of 15
Most Recent Claim	Apr 2009 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds
Claims by Event	Severe Storms, Flooding, Tornadoes, And Straight-line Winds, Apr 2009 · 5 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 5 claims

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 313 SE Oak St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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	MADISON WATER DEPARTMENT serves 7,350 people · EPA ID FL2400205
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	11 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Conexon Connect.

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