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140 Shumard Ct, Monticello, FL, 32344

4beds
3baths
2,716sqft
$679,900
$250price/sqft
$5,456/moest. monthly cost
$218,240/yrincome needed

About This Home

Discover this stunning 2,600+ sqft home built in 2021, offering the perfect blend of quiet country living and modern convenience. Adjoinging additional lot can also be purchased! Features include: 4 spacious bedrooms and 3 full bathrooms 2 master bedrooms located downstairs Dedicated office/bonus room – ideal for work or hobbies Modern kitchen and open living spaces Attached 2-car garage Just minutes from downtown, providing a quick and easy commute Enjoy serene country surroundings with the benefits of a new, move-in-ready home. Don’t miss out on this incredible opportunity!

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

2/10
Jefferson K-12 SchoolGrades PK-123.7 mi
--
Babies/TapGrades 6-123.7 mi

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Slab
  • Construction materials: Fiber Cement

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman,Farmhouse,Two Story
  • Property subType: Farm,Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Ice Maker,Microwave,Oven,Range,Refrigerator

Bedroom2

  • Dimensions: 12x12

Bedroom3

  • Dimensions: 12x12

Bedroom4

  • Dimensions: 12x14

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Dimensions: 10x14

Family Room

  • Dimensions: 18x20

Features

  • High Ceilings,Primary Downstairs,Pantry,Split Bedrooms,Walk-In Closet(s)
  • Flooring: Plank,Vinyl

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,716
  • Total interior livable area: 2,716 sqft

Kitchen

  • Dimensions: 18x13

Living Room

  • Dimensions: 18x20

Master Bedroom

  • Dimensions: 13x15

Other

  • Dimensions: 12x15

Property

Details

  • Parcel number: 12065262N4E0860000A0170
  • Special condition: Standard

Features

  • Patio & porch: Porch,Screened
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 0.87 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage,Two Car Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Lightning
Tornado
Strong Wind
Wildfire
Tsunami

FEMA Declared Disasters in Jefferson County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,437$41,244
Home Insurance *$541$6,492
Property Taxes $1,205$14,460
Electricity $273$3,279
Total$5,456$65,472
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$187,062/yr
40% on housing$163,680/yr
45% on housing$145,493/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.4%
15.4%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$250This listing

vs Other Active Listings

Avg $/sqft

ZIP 32344$165
Jefferson County$168

vs Homes Sold Last Month

Median $/sqft

ZIP 32344$218
Jefferson County$209

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-13Listed for sale$625,000
2026-04-06Listing removed$2,800
2025-11-22Price change$2,800
2025-10-14Listed for rent$3,100
2025-10-01Listing removed$3,100
2025-09-23Listed for rent$3,100
2024-10-26Listing removed$3,300
2024-05-10Listed for rent$3,300
2023-09-20Listing removed--
2023-08-31Price change$569,000
2023-07-12Listed for sale$579,000
2023-03-29Listing removed--
2023-03-03Price change$599,900
2022-12-23Price change$625,000
2022-11-16Price change$665,000
2022-10-29Listed for sale$625,000
2021-06-25Sold$445,000
2021-05-12Contingent$439,900
2021-05-06Listed for sale$439,900
2021-04-22Contingent$439,900
2021-03-23Price change$439,900
2020-11-27Listed for sale$451,500
2020-08-06Sold$65,000
2019-04-23Sold$50,000

For Sale by Agent

AgentCaleb D Stephens
BrokerageSilo Hill Properties

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