105 E Cardinal St, Palatka, FL 32177 Property Records

Putnam County property record for 105 E Cardinal St, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,770 sqft · built 1979
Lot Size	0.269 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Feb 2021)
Tax Bill	$3,131 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-10-26-9101-004.0-001.0`

Property Details

APN / Parcel Number

Primary APN	`11-10-26-9101-004.0-001.0`
Alternative APN	`65169`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Building Area	1,770 sqft Living Area
1st Floor Area	1,420 sqft
Flooring	Steel Beam
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1997
Exterior Material	Brick/Stone
Lot Area	11,761 sqft (0.269 acres)
Lot Dimensions	125 ft deep x 95 ft wide
Garage Area	280 sqft
Porch	Porch
Porch Area	375 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	65169
Street Address	105 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
Legal Range	26E
Legal Township	10S
Legal Section	11
Legal Subdivision	UNDERWOOD ESTATES
Legal Block	4
Legal Lot Number	1
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	3
Census Block	3002
Census Tract	950900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	105 E CARDINAL ST, PALATKA, FL 32177-4196
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2021 · Amount on Record
Deed Sale	Feb 24, 2021 · Amount on Record
Prior Sale	Aug 1, 2013 · Amount on Record
Deed Document Number	202154004101
Deed Book / Page	1608 / 1612
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Feb 24, 2021
Property Address	105 E CARDINAL ST, PALATKA, FL 32177-4196
Document Number	0016081612
Book / Page	1608 / 1612
Map Reference	MB 6 PG 5
Instrument Date	Feb 23, 2021
Instrument	202154004101
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO OF PALATKA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	616 W PENIEL RD, 616, PALATKA, FL 32177-8968

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 E CARDINAL ST, PALATKA, FL 32177-4196

Mortgage

Document Number	16081615
Date	Feb 24, 2021
Instrument	1608/1615

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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	$3,131.00 (+21.83%) Homeowner's exemption	$207,260 (+5.98%)	$225,600 (-2.43%) Land $22,340 Building $203,260
2023	$2,570.00 (+6.64%) Senior Citizen's exemption	$195,560 (+3%)	$231,230 (+21.78%) Land $22,340 Building $208,890
2022	$2,410.00 Senior Citizen's exemption	$189,870	$189,870 Land $11,170 Building $178,700

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 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.

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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