515 E Palmer Mill Rd, Monticello, FL, 32344
About This Home
Remarkable, peaceful in-town oasis on 3.54 acres! An incredible find in the heart of downtown Monticello, FL. Not only is this home located on a private 3.54 acre spread, surrounded by a perimeter of natural foliage, but the home itself has been beautifully updated, blending the charm of old and the convenience of new. The 3 bedroom/3 bathroom, 2,000+ sq ft home has a kitchen flooded with natural light overlooking beautiful back yard views. The Master Suite is incredibly spacious, with it's own sitting area and/or office space. The Master Bath has a double vanity and tiled walked in shower. The Master also has it's own private, exterior door access. Outdoors, there is a pool house with a lap pool, a commercial grade greenhouse, (2) additional outbuildings (1 with electric/water), a koi pond and beautiful landscaping throughout, with a multitude of gorgeous flowers, planted by a professional gardener/florist, that bloom throughout the year. Hummingbirds are plentiful daily (except during winter) if you keep the feeders full of nectar! Roof (2022) | A/C (upgraded, 2021). A must see for sure! **Note: One bedroom (10x10) is not pictured, because it was being used for storage at the time photos were taken. Also: chicken coup (and chickens!) are excluded from the sale, and will be relocated on/before closing.`
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1904
Materials
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: One Story,Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Ice Maker,Microwave,Refrigerator,Washer
Bedroom2
- Dimensions: 22x9
Bedroom3
- Dimensions: 10x10
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Dining Room
- Dimensions: 14x13
Family Room
- Dimensions: -
Features
- Tray Ceiling(s),High Ceilings,Stall Shower,Vaulted Ceiling(s),Window Treatments,Split Bedrooms,Sun Room,Walk-In Closet(s)
- Flooring: Plank,Tile,Vinyl
- Fireplace: Yes
Heating & Cooling
- Heating features: Central,Electric,Wood
- Cooling features: Central Air,Ceiling Fan(s),Electric
Interior Area
- Total structure area: 2,187
- Total interior livable area: 2,187 sqft
Kitchen
- Dimensions: 15x11
Living Room
- Dimensions: 16x13
Master Bedroom
- Dimensions: 21x13
Other
- Dimensions: 16x13
Property
Details
- Parcel number: 12065302N5E000015720000
- Special condition: Standard
Features
- Stories: 1
- Private pool: Yes
- Pool features: In Ground,Pool Equipment
- Patio & porch: Covered,Porch
- Exterior features: Fully Fenced
- Fencing: Fenced
- Has view: Yes
- View description: Park/Greenbelt
Lot
- Lot size: 3.54 Acres
- Lot size dimensions: 279 x 575 x 279 x 567
Parking
- Parking features: Parking Space(s),Gated
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
- Hurricane
- Lightning
- Tornado
- Heat Wave
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Jefferson County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,674 | $32,088 |
| Home Insurance * | $421 | $5,052 |
| Property Taxes | $771 | $9,252 |
| Electricity | $220 | $2,641 |
| Total | $4,086 | $49,032 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-27 | Price change | $549,000 |
| 2026-01-18 | Price change | $579,000 |
| 2025-10-18 | Listed for sale | $585,000 |
| 2024-09-16 | Sold | $520,000 |
| 2024-08-22 | Contingent | $525,000 |
| 2024-07-02 | Listed for sale | $525,000 |
| 2003-08-08 | Sold | $132,000 |
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