104 E Cardinal St, Palatka, FL 32177 Property Records

Putnam County property record for 104 E Cardinal St, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	1,780 sqft · built 2006
Lot Size	0.287 acres (12,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$186,500 (Jul 2019)
Tax Bill	$2,377 (2025)
Deeds & Mortgages	Jul 2019 Sale Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-10-26-9101-0030-0060`

Property Details

APN / Parcel Number

Primary APN	`11-10-26-9101-0030-0060`
Alternative APN	`65168`

Interior

Plumbing Fixtures	11 Plumbing Fixtures
Building Area	1,780 sqft Living Area
Gross Area	2,242 sqft
1st Floor Area	1,780 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Lot Area	12,500 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished/Screened Porch
Porch Area	345 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	65168
Street Address	104 E CARDINAL ST
City	PALATKA
State	FL
Zip	32177-4177
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNDERWOOD ESTATES MB6 P5 BLK 3 LOT 6
Legal Range	26E
Legal Township	10S
Legal Section	11
Legal Subdivision	UNDERWOOD ESTATES
Legal Block	3
Legal Lot Number	6
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	3
Census Block	3002
Census Tract	950900

Owner

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	104 E CARDINAL ST, PALATKA, FL 32177-4177
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2019	Warranty Deed, Transfer GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO/PALATKA
Oct 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage FRED W & MARCIA G MARKER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2019 · Amount on Record
Deed Sale	Jul 15, 2019 · Amount on Record
Prior Sale	Jan 11, 2006 · Amount on Record
Deed Document Number	201912467
Deed Book / Page	1548 / 804
Last Transfer Date	Aug 15, 2024
Transfer Doc	0017721448
Record Updated	Jun 8, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Jul 15, 2019
Property Address	104 E CARDINAL ST, PALATKA, FL 32177-4177
Document Number	0015480804
Book / Page	001548 / 000804
Instrument Date	Jul 9, 2019
Instrument	54012467
Transaction Type	Transfer
Record Updated	Jul 29, 2019
Title Company	GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO/PALATKA

Transaction

Amount	Amount Recorded
Tax	$1,305.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	104 E CARDINAL ST PALATKA FL 321774177, PALATKA, FL 32177-4177

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	104 E CARDINAL ST, PALATKA, FL 32177-4177
Document Number	0014880983
Book / Page	001488 / 000983
Instrument Date	Oct 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	GULLET TITLE/INTERLACHEN INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ECARDINAL ST PALATKA FL 32177, PALATKA, FL 32177

Mortgage

Document Number	0014880983
Date	Oct 27, 2017
Book Page	001488/000983
Instrument	54018910

Lender

Name	FRED W & MARCIA G MARKER
Address	11 MELROY CIR, THE COLONY, TX 75056-3641

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 26, 2027

Interest

Rate	12%

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	$2,377.00 (+13.08%)	$203,170 (+5.98%)	$289,430 (-2.91%) Land $23,520 Building $265,910
2023	$2,102.00 (+2.39%) Senior Citizen's exemption	$191,700 (+3%)	$298,090 (+21.01%) Land $23,520 Building $274,570
2022	$2,053.00 Senior Citizen's exemption	$186,120	$246,330 Land $11,760 Building $234,570

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
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.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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 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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