Putnam County property record for 101 Wateroak Rd, Satsuma, FL 32189
| Property Type | Mobile Home |
|---|---|
| Details | 784 sqft · built 1986 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $92,000 (Dec 2023) |
| Tax Bill | $90 (2025) |
| Deeds & Mortgages | Dec 2023 Sale Oct 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-10-27-8254-0040-0100 |
| Primary APN | 43-10-27-8254-0040-0100 |
|---|---|
| Alternative APN |
|
| Building Area | 784 sqft Living Area |
|---|---|
| 1st Floor Area | 784 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Mobile Home |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 107 ft deep x 98 ft wide |
| Porch | Slab |
| Porch Area | 236 sqft |
| Account Number | 60332 |
|---|---|
| Street Address | 101 WATEROAK RD |
| City | SATSUMA |
| State | FL |
| Zip | 32189-2145 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | ST JOHNS RIVERSIDE ESTATES, RIVEROAKS SEC 1ST ADD MB4 P194, BLK D LOT 10, (MAP SHEET 32/43B/44/45A) |
| Legal Range | 27E |
| Legal Township | 10S |
| Legal Section | 43 |
| Legal Subdivision | ST JOHNS RIVERSIDE ESTATES RIV |
| Legal Lot Number | 10 |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | EAST PALATKA |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 951100 |
101 Wateroak Rd, a mobile home, is owned and occupied by two individuals who bought it in December 2023.
Source: Putnam County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 101 WATEROAK RD, SATSUMA, FL 32189-2145 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 14, 2023 | Warranty Deed, Transfer LAND TITLE/AMERICA INC, LAND TITLE OF AMERICA INC |
| Oct 12, 2023 | Warranty Deed, Transfer LAND TITLE/AMERICA INC, LAND TITLE OF AMERICA INC |
| Mar 5, 2020 | Warranty Deed, Transfer CHARLES J O'NEILL |
| Aug 28, 2019 | Warranty Deed, Transfer GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO/PALATKA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2023 · Amount on File |
| Deed Sale | Dec 14, 2023 · Amount on File |
| Prior Sale | Oct 12, 2023 · Amount on File |
| Deed Document Number | 202327862 |
| Deed Book / Page | 1736 / 1108 |
| Prior Transfer Date | May 19, 2011 |
| Prior Transfer Doc | 0012910734 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PUTNAM FL |
| Recording Date | Dec 14, 2023 |
| Property Address | 101 WATEROAK RD, SATSUMA, FL 32189-2145 |
| Document Number | 0017361108 |
| Book / Page | 1736 / 1108 |
| Map Reference | MB 4 PG 194&195 |
| Instrument Date | Dec 13, 2023 |
| Instrument | 202354027862 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2024 |
| Title Company | LAND TITLE/AMERICA INC, LAND TITLE OF AMERICA INC |
| Amount | Amount on Record |
|---|---|
| Tax | $644.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2274, BUNNELL, FL 32110-2274 |
| Name | Verified Name |
|---|---|
| Address | 101 WATEROAK RD, SATSUMA, FL 32189-2145 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PUTNAM FL |
| Recording Date | Oct 12, 2023 |
| Property Address | 101 WATEROAK RD, SATSUMA, FL 32189-2145 |
| Document Number | 0017280207 |
| Book / Page | 1728 / 207 |
| Map Reference | MB 4 PG 194&195 |
| Instrument Date | Jul 20, 2023 |
| Instrument | 202354022609 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2023 |
| Title Company | LAND TITLE/AMERICA INC, LAND TITLE OF AMERICA INC |
| Amount | Amount on Record |
|---|---|
| Tax | $169.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 101 WATEROAK RD, SATSUMA, FL 32189-2145 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 2274, BUNNELL, FL 32110-2274 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PUTNAM FL |
| Recording Date | Mar 5, 2020 |
| Property Address | 101 WATEROAK RD, SATSUMA, FL 32189-2145 |
| Document Number | 0015701984 |
| Book / Page | 001570 / 001984 |
| Instrument Date | Mar 4, 2020 |
| Instrument | 54004349 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2020 |
| Title Company | GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO/PALATKA |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $193.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 101 WATEROAK RD PALATKA FL 32177, PALATKA, FL 32177 |
| Document Number | 15701986 |
|---|---|
| Date | Mar 5, 2020 |
| Book Page | 001570/001986 |
| Instrument | 54004350 |
| Name | CHARLES J O'NEILL |
|---|---|
| Address | 69 BALEARICS DR, ST AUGUSTINE, FL 32086-1854 |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Mar 4, 2025 |
| Rate | 12% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PUTNAM FL |
| Recording Date | Aug 28, 2019 |
| Property Address | 101 WATEROAK RD, SATSUMA, FL 32189-2145 |
| Document Number | 0015521835 |
| Book / Page | 001552 / 001835 |
| Instrument Date | Aug 28, 2019 |
| Instrument | 54015639 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2019 |
| Title Company | GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO/PALATKA |
| Amount | Amount on Record |
|---|---|
| Tax | $70.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2274 BUNNELL FL 321102274, BUNNELL, FL 32110-2274 |
The 2025 property tax bill for 101 Wateroak Rd was $90.
Source: Putnam County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Putnam County |
| Unified School District | Putnam County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $90.00 | $17,450 | $67,580 Land $10,660 Building $56,920 |
| 2023 | $499.00 (+3.96%) Homeowner's exemption | $39,960 (+2.99%) | $67,050 (+22.31%) Land $10,660 Building $56,390 |
| 2022 | $480.00 Homeowner's exemption | $38,800 | $54,820 Land $10,660 Building $44,160 |
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.
FEMA maps place 101 Wateroak Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 34 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 34 in force |
| Nearby Flood Claims | 40 (2001–2024) |
| Claims Outside the SFHA | 1 of 40 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 risk around 101 Wateroak Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SAN MATEO ESTATES private · serves 112 people · EPA ID FL2544295 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Also Mapped Here | EAST PUTNAM REGIONAL |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | Total trihalomethanes not recorded as resolved · Jan 2026 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 10 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 298 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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