101 Cedar St, Palatka, FL 32177 Property Records

Putnam County property record for 101 Cedar St, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,801 sqft · built 1959
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$246,900 (May 2026)
Tax Bill	$1,914 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-10-26-1700-0070-0060`

Property Details

APN / Parcel Number

Primary APN	`13-10-26-1700-0070-0060`
Alternative APN	`5127`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	8 Plumbing Fixtures
Building Area	1,801 sqft Living Area
1st Floor Area	1,801 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1982
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	142 ft deep x 99 ft wide
Garage Type	Carport
Garage Area	216 sqft
Carport	Carport
Carport Area	216 sqft
Porch	Finished/Open Porch
Porch Area	42 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	5127
Street Address	101 CEDAR ST
City	PALATKA
State	FL
Zip	32177-6505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY CLUB HEIGHTS MB4 P30, BLK 7 LOT 6
Legal Range	26E
Legal Township	10S
Legal Section	13
Legal Subdivision	COUNTRY CLUB HEIGHTS
Legal Block	7
Legal Lot Number	6
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	5
Census Block	5021
Census Tract	950900

Owner

Source: Putnam County records, as of June 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	101 CEDAR ST, PALATKA, FL 32177-6505
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Prior Sale	Dec 1, 2016 · Amount on Record
Deed Document Number	202612732
Deed Book / Page	1870 / 1940
Prior Transfer Date	May 27, 2003
Prior Transfer Doc	0000469462
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	May 21, 2026
Property Address	101 CEDAR ST, PALATKA, FL 32177-6505
Document Number	0018701940
Book / Page	1870 / 1940
Instrument Date	May 20, 2026
Instrument	202612732
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	GULLETT TITLE INC, GULLETT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$174,558.30
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	101 CEDAR ST, PALATKA, FL 32177-6505
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012733,
Date	May 21, 2026
Instrument	202612733

Lender

Name	TEXANA BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of December 10, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Putnam County
Municipality	Palatka City
Unified School District	Putnam County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,914.00 (+11.21%) Homeowner's exemption	$99,980 (+5.98%)	$159,250 (+0.49%) Land $20,390 Building $138,860
2023	$1,721.00 (+9.76%) Homeowner's exemption	$94,340 (+2.99%)	$158,470 (+15.1%) Land $12,240 Building $146,230
2022	$1,568.00 Homeowner's exemption	$91,600	$137,680 Land $10,200 Building $127,480

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 2, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	R.C. WILLIS WTP (CITY OF PALATKA) serves 11,900 people · EPA ID FL2544260
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	17 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes resolved · Oct 2024 Haloacetic acids resolved · Jan 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	21 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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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