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930 E Pearl St, Monticello, FL, 32344

4beds
3baths
3,188sqft
$395,000
$124price/sqft
$3,183/moest. monthly cost
$127,320/yrincome needed

About This Home

Built between 1890–1910, this Classic Revival home sits on 1.77 acres along one of Monticello’s most admired streets and offers timeless architecture with an opportunity to restore and make it your own. The two-story layout includes 4 bedrooms and 3 bathrooms, with a circular driveway framed by boxwoods leading to a wide front porch perfect for rocking chairs. Inside, two front parlors flank the entry—one used as a living room and one with a closet allowing for modern use as a bedroom—while upstairs includes two additional bedrooms and a full bath. The large dining room has been opened to expose the original rafters, giving the space a bright and airy feel, while six original (not currently operational) fireplaces provide historic character throughout. Period details including original hardwood floors, banisters, and molding showcase the craftsmanship of the era. Downstairs also includes a family room off the kitchen, a full guest bath, and a primary suite with an attached bath and nearby laundry. The home features a two-zone HVAC system downstairs, with window units currently serving the upstairs bedrooms. The roof is estimated to have approximately 5–7 years of remaining life. This property offers an opportunity for thoughtful updates and stewardship, presenting a great fit for buyers looking to invest in a historic home with strong bones and character. The back portion of the property remains wooded, providing privacy or potential to expand with a guest house, pool, or garden. Conveniently located just a short walk to downtown Monticello’s shops and restaurants, about 25 minutes to Thomasville, and roughly 30 minutes to Tallahassee. Offered As-Is, this home has over a century of stories—it’s ready for its next chapter. Seller is motivated and will consider all offers.

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
70
BikeVery Bikeable

Schools

--
Babies/TapGrades 6-123.9 mi
3/10
Jefferson K-12 SchoolGrades PK-123.9 mi

Construction

Condition

  • Year built: 1910

Materials

  • Foundation: Crawlspace
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Two Story,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Microwave,Oven,Range,Refrigerator,Washer

Bedroom2

  • Dimensions: 18x13

Bedroom3

  • Dimensions: 17x15

Bedroom4

  • Dimensions: 17x15

Bedrooms & Bathrooms

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

Dining Room

  • Dimensions: 15x16

Family Room

  • Dimensions: 24x15

Features

  • Tray Ceiling(s),Garden Tub/Roman Tub,High Ceilings,Stall Shower,Vaulted Ceiling(s),Entrance Foyer,Primary Downstairs
  • Flooring: Hardwood,Plank,Tile,Vinyl
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Ductless,Electric,Wood
  • Cooling features: Central Air,Ceiling Fan(s),Ductless,Electric

Interior Area

  • Total structure area: 3,188
  • Total interior livable area: 3,188 sqft

Kitchen

  • Dimensions: 11x15

Living Room

  • Dimensions: 23x15

Master Bedroom

  • Dimensions: 15x15

Other

  • Dimensions: 15x9

Property

Details

  • Parcel number: 000000037000000160
  • Special condition: Standard

Features

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

Lot

  • Lot size: 1.77 Acres

Parking

  • Parking features: Driveway
  • Has uncovered spaces: Yes

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

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Cold Wave
Tornado
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 $1,997$23,964
Home Insurance *$314$3,768
Property Taxes $552$6,624
Electricity $320$3,849
Total$3,183$38,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,131/yr
40% on housing$95,490/yr
45% on housing$84,880/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

$124This listing

vs Other Active Listings

Avg $/sqft

ZIP 32344$170
Jefferson County$173

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
2026-06-15Price change$395,000
2026-04-06Price change$425,000
2025-10-07Listed for sale$449,000
2017-05-22Sold$177,000
2014-06-25Listing removed$199,900
2013-10-15Listed for sale$199,900
2013-06-25Listing removed$199,900
2012-07-13Listed for sale$199,900
2012-05-02Listing removed$279,000
2011-06-19Price change$279,000
2011-04-16Listed for sale$329,000

For Sale by Agent

AgentRachel E Sparling
BrokerageAll Realty Services

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