3778 Gamble Rd, Monticello, FL 32344 Property Records

Jefferson County property record for 3778 Gamble Rd, Monticello, FL 32344

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,350 sqft · built 1973
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Jan 2014)
Tax Bill	$1,258 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-1N-3E-0000-0041-0000`

Property Details

APN / Parcel Number

Primary APN	`22-1N-3E-0000-0041-0000`
Alternative APN	`3146`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,350 sqft Living Area
1st Floor Area	1,510 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2000
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished/Open Porch
Porch Area	514 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3778 GAMBLE RD
City	MONTICELLO
State	FL
Zip	32344-0804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.50 ACRES IN NW1/4 OF SW1/4 ORB 179 P 169 & 697 P 501 & 714 P 673
Legal Range	03E
Legal Township	01N
Legal Section	22
Jurisdiction	JEFFERSON FL
Township / Civil Division	WACISSA
Census Block Group	4
Census Block	4022
Census Tract	250200

Owner

Source: Jefferson County records, as of February 4, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	3778 GAMBLE RD, MONTICELLO, FL 32344-0804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2014 · Amount on Record
Deed Sale	Jan 27, 2014 · Amount on Record
Deed Document Number	2014193
Deed Book / Page	697 / 501
Last Transfer Date	May 20, 2015
Transfer Doc	0007140673
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON FL
Property Address	3778 GAMBLE RD, MONTICELLO, FL 32344-0804
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007860188
Date	Jul 15, 2020
Book Page	786/188
Instrument	202033001793

Lender

Name	ENVISION CU
Type	Credit Union
Address	TALLAHASSEE, FL 32301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

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	$1,258.00 Homeowner's exemption	$103,409 (+2.9%)	$194,855 (-1.1%) Land $19,500 Building $175,355
2024	$1,258.00 (+3.54%) Homeowner's exemption	$100,495 (+3%)	$197,016 (+1.75%) Land $18,750 Building $178,266
2023	$1,215.00 (+13.13%) Homeowner's exemption	$97,568 (+2.95%)	$193,626 (+47.14%) Land $13,500 Building $180,126
2022	$1,074.00 Homeowner's exemption	$94,774	$131,597 Land $12,000 Building $119,597

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

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 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% 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
T-Mobile Fixed Wireless	100 / 20