440 SW Monroe Ave, Mayo, FL 32066 Property Records

Lafayette County property record for 440 SW Monroe Ave, Mayo, FL 32066

Property Summary

Property Type	Commercial
Details	7 ba · 4,388 sqft · built 1950
Lot Size	1 acres (43,560 sqft)
Owner	Company Name on File
Last Sale	$274,000 (Aug 2007)
Tax Bill	$4,181 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Nov 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-05-11-0013-0260-00010`

Property Details

APN / Parcel Number

Primary APN	`13-05-11-0013-0260-00010`
Alternative APN	`0013026000010`

Interior

Full Baths	7 Baths
Units	2 Units
Stories	1 Story
Building Area	4,388 sqft Gross Area
1st Floor Area	4,388 sqft
Storm Shelter	Storm Shelter
Flooring	Carpet
Interior Walls	Paneling
Storm Shutters	Storm Shutters

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1976
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Garage Area	300 sqft
Carport	Carport
Carport Area	300 sqft

Exterior Amenities

Porch	Slab
Porch Area	216 sqft
Deck Area	738 sqft
Patio Area	738 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	440 SW MONROE AVE
City	MAYO
State	FL
Zip	32066-4712
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LEG 0001.00 ACRES BLK. 26 KNIGHTS ADDITION TO THE TOWN OF MAYO PB A P. 3 PUBLIC RECORDS LAFAYETTE CO. FL. OR BK 78 P. 50-53; OR BK 91 P. 575-576; OR BK 260 P. 42-44.
Legal Range	11E
Legal Township	05S
Legal Section	13
Legal Subdivision	KNIGHTS ADDITION
Legal Block	26
Jurisdiction	LAFAYETTE FL
Township / Civil Division	MAYO
Census Block Group	2
Census Block	2032
Census Tract	960201

Owner

440 SW Monroe Ave, a commercial property, is owned by a company that bought it in August 2007.

Source: Lafayette County records, as of August 12, 2026

Owner of Record	Company Name on File
Mailing Address	1400 N JOHNSON STRIPLING RD, PERRY, FL 32347-1504
Owner Type	Company
Vesting	Company

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
Nov 10, 2023	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL BANK
Nov 10, 2023	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL BANK
Apr 16, 2019	Deed of Trust, Mortgage · Line of Credit FIRST FED'L SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2007 · Amount on File
Deed Sale	Aug 21, 2007 · Amount on File
Deed Document Number	20071715
Deed Book / Page	260 / 42
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE FL
Property Address	440 SW MONROE AVE, MAYO, FL 32066-4712
Transaction Type	Mortgage
Record Updated	Dec 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1400 N JOHNSON STRIPLING RD, PERRY, FL 32347-1504

Mortgage

Document Number	0034004250
Date	Nov 10, 2023
Book Page	454/5
Instrument	202334004250

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	804 OHIO AVE S, LIVE OAK, FL 32064

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE FL
Property Address	440 SW MONROE AVE, MAYO, FL 32066-4712
Transaction Type	Mortgage
Record Updated	Dec 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1400 N JOHNSON STRIPLING RD, PERRY, FL 32347-1504

Mortgage

Document Number	0034004251
Date	Nov 10, 2023
Book Page	454/18
Instrument	202334004251

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	804 OHIO AVE S, LIVE OAK, FL 32064

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE FL
Property Address	440 SW MONROE AVE, MAYO, FL 32066-4712
Document Number	0034000892
Instrument Date	Apr 16, 2019
Transaction Type	Mortgage
Record Updated	Jul 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1400 N JOHNSON STRIPLING RD PERRY FL 323471504, PERRY, FL 32347-1504

Mortgage

Document Number	0034000892
Date	Jun 10, 2019
Book Page	000394/000139
Instrument	34000892

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	MAYO, FL 32066

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 440 SW Monroe Ave was $4,181, up 3.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Lafayette County
Municipality	Mayo Town
Unified School District	Lafayette County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,181.00 (+3.11%)	$178,589 (+2.63%) Land $65,000 Building $113,589	$178,589 (+2.63%) Land $65,000 Building $113,589
2024	$4,055.00 (+1%)	$174,004 (+0.76%)	$174,004 (+0.76%) Land $50,000 Building $124,004
2023	$4,015.00 (+0.4%)	$172,689 (+1.02%)	$172,689 (+1.02%) Land $50,000 Building $122,689
2022	$3,999.00	$170,938	$170,938 Land $50,000 Building $120,938

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

Flood

FEMA maps place 440 SW Monroe Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

Source: FEMA National Flood Hazard Layer, effective December 15, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Aug 2023 · Hurricane Idalia

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 440 SW Monroe Ave is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 58% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MAYO WTP serves 1,055 people · EPA ID FL2341181
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rapid Fiber Internet Fiber	2,000 / 2,000
Windstream DSL · Fiber in parts of the area	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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