860 N Cherry St, Monticello, FL 32344 Property Records

Jefferson County property record for 860 N Cherry St, Monticello, FL 32344

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,104 sqft · built 1955
Lot Size	0.148 acres (6,490 sqft)
Owner	Individual Name on File
Last Sale	$188,600 (Feb 2026)
Tax Bill	$1,819 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00-00-00-0400-0000-0040`

Property Details

APN / Parcel Number

Primary APN	`00-00-00-0400-0000-0040`
Alternative APN	`1953`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	896 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2000
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,490 sqft (0.148 acres)
Lot Dimensions	100 ft deep x 6,500 ft wide
Porch	Open Porch
Porch Area	634 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	860 N CHERRY ST
City	MONTICELLO
State	FL
Zip	32344-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 POPE & TIMMONS ADD ORB 332/89 & 739/627
Legal Range	05E
Legal Township	02N
Legal Section	19
Legal Subdivision	POPE & TIMMONS ADD
Legal Lot Number	4
Jurisdiction	JEFFERSON FL
Township / Civil Division	MONTICELLO
Census Block Group	1
Census Block	1020
Census Tract	250105

Owner

860 N Cherry St is owned and occupied by an individual who bought it in February 2026.

Source: Jefferson County records, as of March 5, 2026

Owner of Record	Individual Name on File
Mailing Address	860 N CHERRY ST, MONTICELLO, FL 32344-2105
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
Feb 19, 2026	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY BANK
Nov 20, 2019	Warranty Deed, Transfer EDWARD & VADA BYRUM
Apr 20, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2026 · Amount on File
Deed Sale	Feb 19, 2026 · Amount on File
Prior Sale	Nov 20, 2019 · Amount on File
Deed Document Number	202633000603
Deed Book / Page	879 / 92
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON FL
Recording Date	Feb 19, 2026
Property Address	860 N CHERRY ST, MONTICELLO, FL 32344-2105
Document Number	0008790092
Book / Page	879 / 92
Map Reference	MB B PG 17
Instrument Date	Feb 13, 2026
Instrument	202633000603
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	NORTH FLORIDA ABSTRACT AND TITLE, NORTH FL ABSTRACT & TTL LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5929 S JEFFERSON STREET, MONTICELLO, FL 32344

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 N CHERRY ST, MONTICELLO, FL 32344-2105

Mortgage

Document Number	0000087994
Date	Feb 19, 2026
Instrument	879/94

Lender

Name	UNIVERSITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON FL
Recording Date	Nov 20, 2019
Property Address	860 N CHERRY ST, MONTICELLO, FL 32344-2105
Document Number	0007760526
Book / Page	000776 / 000526
Instrument Date	Nov 5, 2019
Instrument	33003147
Transaction Type	Transfer
Record Updated	Dec 11, 2019
Title Company	NORTH FLORIDA ABSTRACT AND TITLE, NORTH FLORIDA ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5929 S JEFFERSON LAMONT FL 323367247, LAMONT, FL 32336-7247

Mortgage

Document Number	7760528
Date	Nov 20, 2019
Book Page	000776/000528
Instrument	33003148

Lender

Name	EDWARD & VADA BYRUM
Address	101 LAKESHORE VISTA DR, KINGSTON, TN 37763-5746

Agreement

Amount	Amount on Record
Term	180 Months
Due	Nov 19, 2034

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON FL
Recording Date	Apr 20, 2017
Property Address	860 N CHERRY ST, MONTICELLO, FL 32344-2105
Document Number	0007390627
Book / Page	000739 / 000627
Instrument Date	Jul 21, 2015
Instrument	33000916
Transaction Type	Transfer
Record Updated	Aug 8, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 417 WACISSA FL 323610417, WACISSA, FL 32361-0417

Tax Assessment & Valuation

The 2025 property tax bill for 860 N Cherry St was $1,819.

Source: Jefferson County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,819.00	$74,490 (-1.61%) Land $4,225 Building $70,265	$74,490 (-1.61%) Land $4,225 Building $70,265
2024	$1,819.00 (+10.04%)	$75,706 (-0.5%) Land $3,575 Building $72,131	$75,706 (-0.5%) Land $3,575 Building $72,131
2023	$1,653.00 (+40.68%)	$76,090 (+16.58%) Land $3,250 Building $72,840	$76,090 (+16.58%) Land $3,250 Building $72,840
2022	$1,175.00	$65,269 Land $2,925 Building $62,344	$65,269 Land $2,925 Building $62,344

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 860 N Cherry St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 860 N Cherry 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	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	CITY OF MONTICELLO serves 4,502 people · EPA ID FL1330478
Water Source	Groundwater
Last State Inspection	Feb 2024
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	None 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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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