1023 Front St, Welaka, FL 32193 Property Records

Putnam County property record for 1023 Front St, Welaka, FL 32193 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	1,970 sqft · built 2020
Lot Size	1.47 acres (64,033 sqft)
Owner	Owner Name on File
Last Sale	$113,000 (Aug 2014)
Tax Bill	$6,157 (2025)
Deeds & Mortgages	Dec 2019 Construction Loan Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`40-12-26-0000-014.1-001.0`

Property Details

APN / Parcel Number

Primary APN	`40-12-26-0000-014.1-001.0`
Alternative APN	`89110`

Interior

Building Area	1,970 sqft Living Area

Exterior

Year Built	Built 2020
Lot Area	64,033 sqft (1.47 acres)
Lot Dimensions	300 ft deep x 75 ft wide

Location & Zoning

Account Number	89110
Street Address	1023 FRONT ST
City	WELAKA
State	FL
Zip	32193-2072
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF TRIAY GRT OR718 P906, (M
Legal Range	26E
Legal Township	12S
Legal Section	40
Legal Subdivision	REEDERS
Legal Lot Number	4
Jurisdiction	PUTNAM FL
Township / Civil Division	CRESCENT CITY
Census Block Group	2
Census Block	2014
Census Tract	951300

Owner

Source: Putnam County records · APN 40-12-26-0000-014.1-001.0

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	Owner Name on File
Mailing Address	1023 FRONT ST, WELAKA, FL 32193-2072
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2019	Deed of Trust, Mortgage · Construction Mortgage CAPITAL CITY BANK
Apr 06, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL CITY HOME LOANS LLC
Dec 20, 2019	Deed of Trust, Mortgage · Construction Mortgage CAPITAL CTY BK
Aug 16, 2019	Loan Modification, Mortgage · Conventional Mortgage PAUL & VIRGINIA MELVIN

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 01, 2014 · Amount on Record
Deed Sale	Aug 01, 2014 · Amount on Record
Deed Document Number	201454800757
Deed Book / Page	1385 / 0477
Record Updated	Jun 08, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	1023 FRONT ST, WELAKA, FL 32193-2072
Transaction Type	Mortgage
Record Updated	Nov 29, 2021
Title Company	GUARANTY TITLE CO OF PALATKA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015640833
Date	Dec 27, 2019
Book Page	1564/0833
Instrument	201954023057

Lender

Name	CAPITAL CITY BANK
Type	Bank
Address	TALLAHASSEE, FL 32308

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Jan 01, 2026
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	11.2%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	1023 FRONT ST, WELAKA, FL 32193-2072
Transaction Type	Mortgage
Record Updated	Nov 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1023 FRONT ST, WELAKA, FL 32193-2072

Mortgage

Document Number	0016140171
Date	Apr 06, 2021
Book Page	1614/171
Instrument	202154007423

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company
Address	LAWRENCEVILLE, GA 30043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	1023 FRONT ST, WELAKA, FL 32193-2072
Instrument Date	Dec 20, 2019
Transaction Type	Mortgage
Record Updated	Feb 06, 2020
Title Company	GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO/PALATKA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2948 CAPTIVA BLUFF RD S JACKSONVILLE FL 322262068, JACKSONVILLE, FL 32226-2068

Mortgage

Document Number	15660570
Date	Jan 21, 2020
Book Page	001566/000570
Instrument	54001072

Lender

Name	CAPITAL CTY BK
Type	Bank
Address	TALLAHASSEE, FL 32308

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2050

Interest

Rate Type	Adjustable Rate
Rate	5.25%

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PUTNAM FL
Property Address	1023 FRONT ST, WELAKA, FL 32193-2072
Document Number	0015520378
Instrument Date	Aug 16, 2019
Transaction Type	Mortgage
Record Updated	Sep 13, 2019
Title Company	GULLETT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2948 CAPTIVA BLUFF RD S JACKSONVILLE FL 322262068, JACKSONVILLE, FL 32226-2068

Mortgage

Document Number	0015520378
Date	Aug 21, 2019
Book Page	001552/000378
Instrument	54015161

Lender

Name	PAUL & VIRGINIA MELVIN
Address	1415 WARMWOOD DR, GRAND ISLAND, FL 32735-9761

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 20, 2024

Interest

Rate Type	Fixed Rate
Rate	7%

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	$6,157.00 (+10.84%) Homeowner's exemption	$386,420 (+5.98%)	$545,000 (-3.9%) Land $199,490 Building $345,510
2023	$5,555.00 (+40.81%) Homeowner's exemption	$364,600 (+34.59%)	$567,120 (+37.73%) Land $199,490 Building $367,630
2022	$3,945.00 Homeowner's exemption	$270,900	$411,770 Land $172,540 Building $239,230

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Putnam County (12107C), updated February 2, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121079513002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 88 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	150 units insured 62 under condo master policies
Nearby Flood Claims	114 (2001–2025)
Claims Outside the SFHA	1 of 114
Most Recent Claim	Oct 2025, rainfall accumulation
Claims By Storm	Hurricane Milton, Oct 2024 · 12 claims Hurricane Irma, Oct 2017 · 46 claims Hurricane Frances, Sep 2004 · 20 claims

Wildfire

Wildfire Risk	Moderate above 57% of the US · above 29% of Florida
Wildfire Likelihood	About 1 in 633 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 83 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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