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Single Family ResidenceResidential
$329,407$202 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $295,000 on Jul 31, 2024

40 SPRUCE CIR

MONTICELLO, FL 32344
1
Beds
1
Baths
1,633 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.83 ac
Lot SizeThe size of the land the home sits on, from county records.
2024
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$329K
$302K low$357K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$295,000 · Jul 31, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,370 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$189,894 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$189,894
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$240,551

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.13 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyJefferson
Lot (acres)The size of the land the home sits on, from county records.0.83
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood Shingle
CoolingThe type of cooling or air conditioning in the home.Central
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 167 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Jefferson Virtual Instruction Program
Middle · Grades KG–12 · 2.6 mi
E
Jefferson Schools K-12D
Elementary · Grades PK–12 · 6.3 mi

District: Jefferson County School District

Neighborhood · ZIP 32344These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.121
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.82
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.20

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.19%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.14,164
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.31 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$62,523
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,552
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.58 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

40 Spruce Cir measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Has a smaller lot than 73% of homes in Monticello 32344
  • Among the newest homes in Monticello 32344

What homes are worth in Monticello 32344

Each bar is how many homes fall in that price range. The marker is this home.

This home
$57K$841K

This home is worth more than 57% of homes in Monticello 32344.

How it measures up in Monticello 32344

The dot is this home. The mark in the middle is the typical home in Monticello 32344.

Estimated value$329,407
CheaperTypical $300,116Pricier

Pricier than 57% of homes nearby

Price per ft²$202
CheaperTypical $176Pricier

Pricier than 62% of homes nearby

Living area1,633 ft²
SmallerTypical 1,572 ft²Bigger

Bigger than 54% of homes nearby

Lot size0.83 ac
SmallerTypical 2.44 acBigger

Bigger than 27% of homes nearby

Year built2024
OlderTypical 1992Newer

Newer than almost all homes nearby

How 40 Spruce Cir ranks against every home in each area.
MeasureThis homeMonticello 32344
Estimated valuepricier than$329,40757% of homes
Price per ft²pricier than$20262% of homes
Living areabigger than1,633 ft²54% of homes
Lot sizebigger than0.83 ac27% of homes
Year builtnewer than2024almost all homes

About 40 Spruce Cir

How much is 40 Spruce Cir, Monticello, FL worth?

The TopHap Estimate for 40 Spruce Cir, Monticello, FL is $329,407 as of Sep 24, 2026. The likely range is $301,960 to $356,854. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40 Spruce Cir, Monticello, FL last sell?

40 Spruce Cir, Monticello, FL last sold on Jul 31, 2024 for $295,000, according to the county's recorded deed.

How big is 40 Spruce Cir, Monticello, FL?

40 Spruce Cir, Monticello, FL has 1 bedrooms, 1 bathrooms, 1,633 square feet of living space and a 0.83-acre lot.

When was 40 Spruce Cir, Monticello, FL built?

40 Spruce Cir, Monticello, FL was built in 2024, making it 2 years old. The building has 1 story.

What schools serve 40 Spruce Cir, Monticello, FL?

40 Spruce Cir, Monticello, FL is assigned to Jefferson Virtual Instruction Program (middle); Jefferson Schools K-12 (elementary), rated D. All sit in Jefferson County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 40 Spruce Cir, Monticello, FL compare to other homes in Monticello 32344?

Among the 4,839 homes in Monticello 32344, it is worth more than 57% of them ($329,407 against a typical $300,116), its price per square foot is higher than 62% of them ($202 against a typical $176), it is bigger than 54% of them (1,633 ft² against a typical 1,572 ft²), its lot is bigger than 27% of them (0.83 ac against a typical 2.44 ac) and it is newer than almost all of them (2024 against a typical 1992). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 40 Spruce Cir, Monticello, FL?

The 2025 property tax bill for 40 Spruce Cir, Monticello, FL was $2,370. The county assessed it at $189,894.

More homes on Spruce Cir

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Assigned schools

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