634 Watermill Rd, Monticello, FL 32344 Property Records

Jefferson County property record for 634 Watermill Rd, Monticello, FL 32344

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,454 sqft · built 1999
Lot Size	9.01 acres (392,476 sqft)
Owner	Company Name on Record
Last Sale	$150,000 (Sep 2007)
Tax Bill	$1,946 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Dec 2021 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`36-1N-3E-0000-0186-0000`

Property Details

APN / Parcel Number

Primary APN	`36-1N-3E-0000-0186-0000`
Alternative APN	`3818`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,454 sqft Living Area
Gross Area	1,685 sqft
1st Floor Area	1,454 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	392,476 sqft (9.01 acres)
Lot Width	392,475 ft Width
Garage Area	572 sqft
Porch	Finished Screened Porch
Porch Area	663 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	634 WATERMILL RD
City	MONTICELLO
State	FL
Zip	32344-7038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	9.01 ACRES IN SW1/4 OF NE1/4 S OF CO RD ORB 430 P 416 & 437 P 558 & 592 P 688
Legal Range	03E
Legal Township	01N
Legal Section	36
Jurisdiction	JEFFERSON FL
Township / Civil Division	WACISSA
Census Block Group	4
Census Block	4040
Census Tract	250200

Owner

Source: Jefferson County records, 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	Company Name on Record
Mailing Address	634 WATERMILL RD, MONTICELLO, FL 32344-7038
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2021	Deed of Trust, Mortgage · Line of Credit FIRST COMMERCE CU
Dec 29, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Oct 20, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 15, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Mar 4, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
May 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2007 · Amount on Record
Deed Sale	Sep 5, 2007 · Amount on Record
Prior Sale	Oct 13, 2006 · Amount on Record
Deed Document Number	2007129413
Deed Book / Page	609 / 292
Last Transfer Date	Dec 29, 2021
Transfer Doc	0008150494
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON FL
Property Address	634 WATERMILL RD, MONTICELLO, FL 32344-7038
Transaction Type	Mortgage
Record Updated	Feb 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 WATERMILL RD, MONTICELLO, FL 32344-7038

Mortgage

Document Number	0008120818
Date	Nov 5, 2021
Book Page	812/818
Instrument	202133003782

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON FL
Recording Date	Dec 29, 2021
Property Address	634 WATERMILL RD, MONTICELLO, FL 32344-7038
Document Number	0008150494
Book / Page	815 / 494
Map Reference	MB 411 PG 584
Instrument Date	Dec 29, 2021
Instrument	202133004386
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	634 WATERMILL RD, MONTICELLO, FL 32344-7038

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON FL
Recording Date	Oct 20, 2021
Property Address	634 WATERMILL RD, MONTICELLO, FL 32344-7038
Document Number	0008120024
Book / Page	812 / 24
Instrument Date	Oct 15, 2021
Instrument	202133003549
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 WATERMILL RD, MONTICELLO, FL 32344-7038

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON FL
Recording Date	Apr 15, 2021
Property Address	634 WATERMILL RD, MONTICELLO, FL 32344-7038
Document Number	0008010307
Book / Page	801 / 307
Map Reference	MB 411 PG 584
Instrument Date	Apr 14, 2021
Instrument	202133001255
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	634 WATERMILL RD, MONTICELLO, FL 32344-7038

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON FL
Property Address	634 WATERMILL RD, MONTICELLO, FL 32344-7038
Document Number	0007650826
Instrument Date	Mar 4, 2019
Transaction Type	Mortgage
Record Updated	Apr 16, 2019
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 WATERMILL RD MONTICELLO FL 323447038, MONTICELLO, FL 32344-7038

Mortgage

Document Number	0007650826
Date	Mar 15, 2019
Book Page	000765/000826
Instrument	33000645

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 14, 2044

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON FL
Property Address	634 WATERMILL RD, MONTICELLO, FL 32344-7038
Document Number	0007560066
Instrument Date	May 18, 2018
Transaction Type	Mortgage
Record Updated	Jul 11, 2018
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 WATERMILL RD MONTICELLO FL 323447038, MONTICELLO, FL 32344-7038

Mortgage

Document Number	0007560066
Date	Jun 20, 2018
Book Page	000756/000066
Instrument	33001696

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 19, 2043

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	$1,946.00 Homeowner's exemption	$156,941 (+2.9%)	$244,301 (-2.37%) Land $94,605 Building $149,696
2024	$1,946.00 (+2.96%) Homeowner's exemption	$152,518 (+3%)	$250,223 (+13.48%) Land $99,110 Building $151,113
2023	$1,890.00 (+9.19%) Homeowner's exemption	$148,076 (+3%)	$220,496 (+3.21%) Land $67,575 Building $152,921
2022	$1,731.00 Homeowner's exemption	$143,763	$213,633 Land $63,070 Building $150,563

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 56% of the US · lower than 72% 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 11 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 and 4G LTE (outdoors only)

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