103 Oak Leaf Pt, Palatka, FL 32177 Property Records

Putnam County property record for 103 Oak Leaf Pt, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,106 sqft · built 2007
Lot Size	1.23 acres (53,579 sqft)
Owner	2 Individual Names on Record
Last Sale	$147,500 (Jan 2014)
Tax Bill	$2,896 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-10-26-7315-0000-0110`

Property Details

APN / Parcel Number

Primary APN	`15-10-26-7315-0000-0110`
Alternative APN	`50252`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Building Area	2,106 sqft Living Area
1st Floor Area	2,106 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Lot Area	53,579 sqft (1.23 acres)
Lot Dimensions	249 ft deep x 215 ft wide
Porch	Finished/Open Porch
Porch Area	70 sqft
Deck Area	384 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	50252
Street Address	103 OAK LEAF PT
City	PALATKA
State	FL
Zip	32177-9051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF NE1/4 OF SW1/4 OR521, P1207 (LOT 11 POINT OF WOODS, UNRECORDED)
Legal Range	26E
Legal Township	10S
Legal Section	15
Legal Subdivision	POINT/WOODS
Legal Lot Number	11
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	1
Census Block	1000
Census Tract	950600

Owner

Source: Putnam County records, as of August 11, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	103 OAK LEAF PT, PALATKA, FL 32177-9051
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CREDIT UNION
Jun 28, 2021	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Oct 24, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 10, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2014 · Amount on Record
Deed Sale	Jan 7, 2014 · Amount on Record
Prior Sale	Aug 13, 2013
Deed Document Number	2014787532
Deed Book / Page	1367 / 1839
Prior Transfer Date	Oct 2, 2009
Prior Transfer Doc	0012701426
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Recording Date	Jul 21, 2026
Property Address	103 OAK LEAF PT, PALATKA, FL 32177-9051
Document Number	0000017853
Book / Page	1879 / 1175
Instrument Date	Jul 16, 2026
Instrument	202617853
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 OAK LEAF PT, PALATKA, FL 32177-9051

Mortgage

Document Number	0000017853,
Date	Jul 21, 2026
Book Page	1879/1175
Instrument	202617853

Lender

Name	VYSTAR CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	103 OAK LEAF PT, PALATKA, FL 32177-9051
Transaction Type	Mortgage
Record Updated	Jul 28, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016250477
Date	Jun 28, 2021
Book Page	1625/477
Instrument	202154014367

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	103 OAK LEAF PT, PALATKA, FL 32177-9051
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014880111
Date	Oct 24, 2017
Book Page	1488/0111
Instrument	201754018630

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	103 OAK LEAF PT, PALATKA, FL 32177-9051
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015820627
Date	Jul 10, 2020
Book Page	1582/627
Instrument	202054011723

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	330 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of December 10, 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	$2,896.00 (+21.99%) Homeowner's exemption	$193,330 (+5.7%)	$286,860 (-2.04%) Land $52,030 Building $234,830
2023	$2,374.00 (-2.9%) Homeowner's exemption	$182,900 (+3%)	$292,820 (+1.05%) Land $52,030 Building $240,790
2022	$2,445.00 Homeowner's exemption	$177,580	$289,790 Land $52,030 Building $237,760

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	3 (2004–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2024 · river or lake flooding

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

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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