104 Islander Ln, Satsuma, FL 32189 Property Records

Putnam County property record for 104 Islander Ln, Satsuma, FL 32189

Property Summary

Property Type	Mobile Home
Details	1,860 sqft · built 2009
Lot Size	0.342 acres (14,875 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Oct 2025)
Tax Bill	$1,069 (2024)
Deeds & Mortgages	Jul 2026 Mortgage May 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`38-11-27-0000-5190-0230`

Property Details

APN / Parcel Number

Primary APN	`38-11-27-0000-5190-0230`
Alternative APN	`98561`

Interior

Building Area	1,860 sqft Living Area
1st Floor Area	1,860 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Mobile Home
Lot Area	14,875 sqft (0.342 acres)
Lot Dimensions	175 ft deep x 100 ft wide
Porch	Unfinished Open Porch
Porch Area	160 sqft

Location & Zoning

Account Number	98561
Street Address	104 ISLANDER LN
City	SATSUMA
State	FL
Zip	32189-2248
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	PT OF ACOSTA GRT OR384 P747 (LOT 23 CYPRESS COVE) (EX THE NE 13 FT) AES24-000018 OR1826 P194 (MAP SHEET 4/38/39)
Legal Range	27E
Legal Township	11S
Legal Section	38
Legal Subdivision	CYPRESS COVE
Legal Block	519
Legal Lot Number	23
Jurisdiction	PUTNAM FL
Township / Civil Division	EAST PALATKA
Census Block Group	3
Census Block	3035
Census Tract	951100

Owner

Source: Putnam County records, as of August 17, 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	104 ISLANDER LN, SATSUMA, FL 32189-2248
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · VA Mortgage FIRST MORTGAGE FUNDING
May 31, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK
Oct 17, 2025	Warranty Deed, Transfer · VA Mortgage FIRST COAST MORTGAGE FUNDING LLC
Oct 13, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST FSB/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2025 · Amount on Record
Deed Sale	Oct 17, 2025 · Amount on Record
Deed Document Number	202529252
Deed Book / Page	1836 / 1400
Prior Transfer Date	Oct 27, 2016
Prior Transfer Doc	0014550679
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Recording Date	Jul 31, 2026
Property Address	104 ISLANDER LN, SATSUMA, FL 32189-2248
Document Number	0000018900
Book / Page	1881 / 1029
Instrument Date	Jul 27, 2026
Instrument	202618900
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018900,
Date	Jul 31, 2026
Book Page	1881/1029
Instrument	202618900

Lender

Name	FIRST MORTGAGE FUNDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	104 ISLANDER LN, SATSUMA, FL 32189-2248
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	PROGRESSIVE LAND TITLE AGENCY LI, PROGRESSIVE LAND TTL AGCY LT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ISLANDER LN, SATSUMA, FL 32189-2248

Mortgage

Document Number	0017111926
Date	May 31, 2023
Book Page	1711/1926
Instrument	202354011843

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	JACKSONVILLE, FL 32246

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2043

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Oct 17, 2025
Property Address	104 ISLANDER LN, SATSUMA, FL 32189-2248
Document Number	0018361400
Book / Page	1836 / 1400
Map Reference	MB 176 PG 452
Instrument Date	Oct 16, 2025
Instrument	202554029252
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	CLOSING USA LLC, CLOSING BEAR LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	990 BAYMEADOWS ROAD EAST #725725, 725725, JACKSONVILLE, FL 32256

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	104 ISLANDER LN, SATSUMA, FL 32189-2248

Mortgage

Document Number	0018361402
Date	Oct 17, 2025
Instrument	1836/1402

Lender

Name	FIRST COAST MORTGAGE FUNDING LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PUTNAM FL
Recording Date	Oct 13, 2022
Property Address	104 ISLANDER LN, SATSUMA, FL 32189-2248
Document Number	0016870530
Book / Page	1687 / 530
Instrument Date	Oct 5, 2022
Instrument	202254024758
Transaction Type	Transfer
Record Updated	Feb 14, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 795, SAN MATEO, FL 32187-0795

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 795, SAN MATEO, FL 32187-0795

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	104 ISLANDER LN, SATSUMA, FL 32189-2248
Document Number	0014801629
Book / Page	001480 / 001629
Instrument Date	Jul 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2017
Title Company	TITLE AMERICA RE CLOSINGS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ISLANDER LN SATSUMA FL 32189, SATSUMA, FL 32189

Mortgage

Document Number	0014801629
Date	Jul 31, 2017
Book Page	001480/001629
Instrument	54013713

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 30, 2037

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		$92,890 (+2.89%)	$169,860 (-12.49%) Land $9,440 Building $160,420
2024	$1,069.00 (+26.66%) Homeowner's exemption	$90,280 (+18.01%)	$194,110 (+13.5%) Land $11,100 Building $183,010
2023	$844.00 (+6.43%) Homeowner's exemption	$76,500 (+2.99%)	$171,020 (+23.24%) Land $11,100 Building $159,920
2022	$793.00 Homeowner's exemption	$74,280	$138,770 Land $6,110 Building $132,660

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 28 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	20 (1994–2020)
Most Recent Claim	Aug 2020 · other causes
Claims by Event	Hurricane Irma, Oct 2017 · 6 claims Hurricane Frances, Sep 2004 · 3 claims Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 3 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

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

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% 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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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