105 Ross Rd, Satsuma, FL 32189 Property Records

Putnam County property record for 105 Ross Rd, Satsuma, FL 32189

Property Summary

Property Type	Single Family Home
Details	2,491 sqft · built 1972
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Jul 2017)
Tax Bill	$5,032 (2025)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`38-11-27-0000-534.0-058.0`

Property Details

APN / Parcel Number

Primary APN	`38-11-27-0000-534.0-058.0`
Alternative APN	`87948`

Interior

Plumbing Fixtures	6 Plumbing Fixtures
Building Area	2,491 sqft Living Area
1st Floor Area	952 sqft
2nd Floor Area	918 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1990
Exterior Material	Siding
Lot Area	32,670 sqft (0.75 acres)
Lot Dimensions	150 ft deep x 200 ft wide
Garage Area	770 sqft

Exterior Amenities

Porch	Porch
Porch Area	336 sqft
Deck Area	15 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	87948
Street Address	105 ROSS RD
City	SATSUMA
State	FL
Zip	32189-2437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF ACOSTA GRT OR326 P111, O
Legal Range	27E
Legal Township	11S
Legal Section	38
Legal Subdivision	CYPRESS COVE
Legal Tract	534
Legal Lot Number	58 59
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 January 12, 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	105 ROSS RD, SATSUMA, FL 32189-2437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2017 · Amount on Record
Deed Sale	Jul 31, 2017 · Amount on Record
Deed Document Number	201754013674
Deed Book / Page	1480 / 1549
Record Updated	Jun 8, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Jul 31, 2017
Property Address	105 ROSS RD, SATSUMA, FL 32189-2437
Document Number	0014801549
Book / Page	001480 / 001549
Instrument Date	Jul 3, 2017
Instrument	54013674
Transaction Type	Transfer
Record Updated	Aug 16, 2017
Title Company	LAND TITLE/AMERICA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	419 FAIR MEADOWS BLVD HAGERSTOWN MD 217406777, HAGERSTOWN, MD 21740-6777

Mortgage

Document Number	14801551
Date	Jul 31, 2017
Book Page	001480/001551
Instrument	54013675

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2047

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	$5,032.00 (+7.77%)	$279,550 (-3.25%)	$279,550 (-3.25%) Land $62,010 Building $217,540
2023	$4,669.00 (+13%)	$288,930 (+14.09%)	$288,930 (+14.09%) Land $62,010 Building $226,920
2022	$4,132.00	$253,250	$253,250 Land $62,010 Building $191,240

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
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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