102 Spruce Ct, Interlachen, FL 32148 Property Records

Putnam County property record for 102 Spruce Ct, Interlachen, FL 32148 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,243 sqft · built 2000
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Tax Bill	$861 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19-10-24-4074-053.0-202.0`

Property Details

APN / Parcel Number

Primary APN	`19-10-24-4074-053.0-202.0`
Alternative APN	`16728`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Building Area	1,243 sqft Living Area
1st Floor Area	912 sqft

Exterior

Year Built	Built 2000
Exterior Material	Concrete Block
Lot Area	20,038 sqft (0.46 acres)
Porch	Porch
Porch Area	288 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	16728
Street Address	102 SPRUCE CT
City	INTERLACHEN
State	FL
Zip	32148-2672
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INTERLACHEN LAKES ESTS UNIT 15
Legal Range	24E
Legal Township	10S
Legal Section	19
Legal Subdivision	INTERLACHEN LAKES EST
Legal Block	53
Legal Lot Number	202 203
Jurisdiction	PUTNAM FL
Township / Civil Division	INTERLACHEN-FLORAHOME
Census Block Group	4
Census Block	4019
Census Tract	950500

Owner

Source: Putnam County records · APN 19-10-24-4074-053.0-202.0

Assessment roll updated July 1, 2025 · Last verified January 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	102 SPRUCE CT, INTERLACHEN, FL 32148-2672
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	102 SPRUCE CT, INTERLACHEN, FL 32148-2672
Transaction Type	Mortgage
Record Updated	Jan 09, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 SPRUCE CT, INTERLACHEN, FL 32148-2672

Mortgage

Document Number	0017370074
Date	Dec 19, 2023
Book Page	1737/74
Instrument	202354028168

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jan 01, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Putnam County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$861.00 (+16.98%) Homeowner's exemption	$60,440 (+5.98%)	$136,450 (-3.61%) Land $6,000 Building $130,450
2023	$736.00 (+2.36%) Homeowner's exemption	$57,030 (+3%)	$141,560 (+18.98%) Land $6,400 Building $135,160
2022	$719.00 Homeowner's exemption	$55,370	$118,980 Land $3,200 Building $115,780

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Putnam County (12107C), updated February 2, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Moderate above 61% of the US · above 35% of Florida
Wildfire Likelihood	About 1 in 495 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.