445 Gamble Rd, Monticello, FL 32344 Property Records

Jefferson County property record for 445 Gamble Rd, Monticello, FL 32344

Property Summary

Property Type	Rural Home
Details	1 bd · 1 ba · 2,148 sqft · built 2003
Lot Size	10 acres (437,778 sqft)
Owner	2 Individual Names on Record
Last Sale	$60,000 (Apr 2003)
Tax Bill	$5,029 (2025)
Flood Zone	Zone X (minimal risk)
APN	`03-1N-3E-0000-0035-0000`

Property Details

APN / Parcel Number

Primary APN	`03-1N-3E-0000-0035-0000`
Alternative APN	`2384`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	2,148 sqft Base Area
1st Floor Area	4,993 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	437,778 sqft (10 acres)
Garage Area	180 sqft
Porch	Open Porch
Porch Area	492 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	445 GAMBLE RD
City	MONTICELLO
State	FL
Zip	32344-0842
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	10.05 ACRES IN SW1/4 OF NW1/4 ORB 511 P 18
Legal Range	03E
Legal Township	01N
Legal Section	03
Jurisdiction	JEFFERSON FL
Township / Civil Division	MONTICELLO
Census Block Group	3
Census Block	3007
Census Tract	250104

Owner

Source: Jefferson County records, as of December 12, 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 Record
Co-owner	Co-owner on Record
Mailing Address	445 GAMBLE RD, MONTICELLO, FL 32344-0842
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2003 · Amount on Record
Deed Sale	Apr 30, 2003 · Amount on Record
Deed Document Number	0000051118
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

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	$5,029.00 Homeowner's exemption	$362,284 (+0.83%)	$487,415 (-5.46%) Land $18,980 Building $468,435
2024	$5,029.00 (+1.23%) Homeowner's exemption	$359,317 (+1.03%)	$515,567 (+6.31%) Land $24,174 Building $491,393
2023	$4,968.00 (+12.02%) Homeowner's exemption	$355,649 (+10.71%)	$484,960 (+19.21%) Land $17,174 Building $467,786
2022	$4,435.00 Homeowner's exemption	$321,240	$406,805 Land $16,214 Building $390,591

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 · 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 Record median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force

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

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.08% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	100 / 10
AT&T Fixed Wireless	25 / 3