103 Cheffey Rd, Palatka, FL 32177 Property Records

Putnam County property record for 103 Cheffey Rd, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,571 sqft · built 1964
Lot Size	0.389 acres (16,988 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Oct 2021)
Tax Bill	$2,216 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jul 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-09-27-7820-000.0-005.0`

Property Details

APN / Parcel Number

Primary APN	`51-09-27-7820-000.0-005.0`
Alternative APN	`53013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Building Area	1,571 sqft Living Area
1st Floor Area	1,325 sqft
Flooring	Steel Beam

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Lot Area	16,988 sqft (0.389 acres)
Lot Dimensions	189 ft deep x 90 ft wide
Porch	Porch
Porch Area	255 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	53013
Street Address	103 CHEFFEY RD
City	PALATKA
State	FL
Zip	32177-7143
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER ROAD ESTATES MB4 P32, S
Legal Range	27E
Legal Township	09S
Legal Section	51
Legal Subdivision	RIVER ROAD EST
Legal Lot Number	5
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	2
Census Block	2024
Census Tract	950100

Owner

103 Cheffey Rd is owned and occupied by an individual who bought it in October 2021.

Source: Putnam County records, as of January 12, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	103 CHEFFEY RD, PALATKA, FL 32177-7143
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Jul 21, 2017	Warranty Deed, Transfer · VA Mortgage RP FUNDING INC
Dec 27, 2016	Deed of Trust, Mortgage · Conventional with PMI VYSTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2021 · Amount on File
Deed Sale	Oct 1, 2021 · Amount on File
Prior Sale	Jul 21, 2017 · Amount on File
Deed Document Number	202154022634
Deed Book / Page	1638 / 370
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Oct 1, 2021
Property Address	103 CHEFFEY RD, PALATKA, FL 32177-7143
Document Number	0016380370
Book / Page	1638 / 370
Map Reference	MB 4 PG 32
Instrument Date	Sep 23, 2021
Instrument	202154022634
Transaction Type	Transfer
Record Updated	Oct 20, 2021
Title Company	PALATKA ABSTRACT AND TITLE GUARA, PALATKA ABSTRACT & TTL INS I

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 APPLEWOOD CIR, 220, NEWNAN, GA 30263-5365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CHEFFEY RD, PALATKA, FL 32177-7143

Mortgage

Document Number	1638374
Date	Oct 1, 2021
Instrument	1638/374

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Jul 21, 2017
Property Address	103 CHEFFEY RD, PALATKA, FL 32177-7143
Document Number	0014800055
Book / Page	1480 / 0055
Map Reference	MB4 PG32
Instrument Date	Jul 17, 2017
Instrument	201754013157
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 CHEFFEY RD, 103, PALATKA, FL 32177-7143

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2810 ROLLING MEADOWS DR, WEST BRANCH, MI 48661-9110

Mortgage

Document Number	14800057
Date	Jul 21, 2017
Instrument	1480/0057

Lender

Name	RP FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	103 CHEFFEY RD, PALATKA, FL 32177-7143
Document Number	0014610790
Book / Page	001461 / 000790
Instrument Date	Dec 27, 2016
Transaction Type	Mortgage
Record Updated	Mar 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 CHEFFEY RD PALATKA FL 321777143, PALATKA, FL 32177-7143

Mortgage

Document Number	0014610790
Date	Jan 4, 2017
Book Page	001461/000790
Instrument	54000092

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 103 Cheffey Rd was $2,216 with a senior citizen's exemption.

Source: Putnam County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,216.00 Senior Citizen's exemption	$158,030	$158,030 Land $8,720 Building $149,310
2023	$2,249.00 (-12.22%) Homeowner's exemption	$164,530 (+14.77%)	$164,530 (+14.77%) Land $8,720 Building $155,810
2022	$2,562.00	$143,360	$143,360 Land $8,720 Building $134,640

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

Flood

FEMA maps place 103 Cheffey 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 32 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	32 in force
Nearby Flood Claims	12 (2004–2017)
Claims Outside the SFHA	4 of 12
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Hurricane Matthew, Oct 2016 · 7 claims

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

Wildfire risk around 103 Cheffey Rd is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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