Putnam County property record for 103 E Cardinal St, Palatka, FL 32177
| Property Type | Single Family Home |
|---|---|
| Details | 1,513 sqft · built 1984 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,728 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-10-26-9101-0040-0020 |
| Primary APN | 11-10-26-9101-0040-0020 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 10 Plumbing Fixtures |
|---|---|
| Building Area | 1,513 sqft Living Area |
| Gross Area | 1,873 sqft |
| 1st Floor Area | 1,513 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Lot Area | 24,829 sqft (0.57 acres) |
| Lot Dimensions | 125 ft deep x 95 ft wide |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Porch | Finished/Screened Porch |
| Porch Area | 280 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 65170 |
|---|---|
| Street Address | 103 E CARDINAL ST |
| City | PALATKA |
| State | FL |
| Zip | 32177-4196 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNDERWOOD ESTATES MB6 P5, BLK 4 LOTS 2 3 |
| Legal Range | 26E |
| Legal Township | 10S |
| Legal Section | 11 |
| Legal Subdivision | UNDERWOOD ESTATES |
| Legal Block | 4 |
| Legal Lot Number | 2 |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | PALATKA |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 950900 |
Source: Putnam County records, as of December 10, 2025
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 Record |
|---|---|
| Mailing Address | 103 E CARDINAL ST, PALATKA, FL 32177-4196 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 11, 2009 |
| Transfer Doc | 0012380352 |
| Record Updated | Jun 8, 2026 |
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 | $1,728.00 (+14.51%) Homeowner's exemption | $124,160 (+5.97%) | $227,330 (-2.59%) Land $46,590 Building $180,740 |
| 2023 | $1,509.00 (+6.27%) Homeowner's exemption | $117,160 (+3%) | $233,380 (+26.56%) Land $46,590 Building $186,790 |
| 2022 | $1,420.00 Homeowner's exemption | $113,750 | $184,400 Land $23,290 Building $161,110 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 131 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T.
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