107 Cheffey Rd, Palatka, FL 32177 Property Records

Putnam County property record for 107 Cheffey Rd, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	1,293 sqft · built 1986
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (May 2024)
Tax Bill	$2,615 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`51-09-27-7820-000.0-007.0`

Property Details

APN / Parcel Number

Primary APN	`51-09-27-7820-000.0-007.0`
Alternative APN	`53015`

Interior

Plumbing Fixtures	6 Plumbing Fixtures
Building Area	1,293 sqft Living Area
1st Floor Area	1,851 sqft
Flooring	Steel Beam

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	154 ft deep x 100 ft wide

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	53015
Street Address	107 CHEFFEY RD
City	PALATKA
State	FL
Zip	32177-7143
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER ROAD ESTATES MB4 P32 LOT
Legal Range	27E
Legal Township	09S
Legal Section	51
Legal Subdivision	RIVER ROAD EST
Legal Lot Number	7
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	2
Census Block	2024
Census Tract	950100

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	541 W RIVER RD # 2, 2, PALATKA, FL 32177-7069
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA
Jan 25, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2024 · Amount on Record
Deed Sale	May 17, 2024 · Amount on Record
Prior Sale	Oct 18, 2021 · Amount on Record
Deed Document Number	202454013262
Deed Book / Page	1758 / 1229
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Oct 18, 2021
Property Address	107 CHEFFEY RD, PALATKA, FL 32177-7143
Document Number	0016400644
Book / Page	1640 / 644
Map Reference	MB 4 PG 32
Instrument Date	Oct 15, 2021
Instrument	202154024084
Transaction Type	Transfer
Record Updated	Nov 11, 2021
Title Company	PARADISE TITLE/STATE AUGUSTINE, PARADISE TTL OF ST AUGUSTINE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 CHEFFEY RD, PALATKA, FL 32177-7143

Mortgage

Document Number	1640647
Date	Oct 18, 2021
Instrument	1640/647

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

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

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Jan 25, 2021
Property Address	107 CHEFFEY RD, PALATKA, FL 32177-7143
Document Number	0016041912
Book / Page	1604 / 1912
Map Reference	MB 4 PG 32
Instrument Date	Jan 22, 2021
Instrument	202154001656
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	GUARANTY TITLE CO OF PALATKA

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$913.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	185 PINECREST CIR, 185, SAN MATEO, FL 32187-2358

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	107 CHEFFEY RD, PALATKA, FL 32177-7143

Mortgage

Document Number	16041914
Date	Jan 25, 2021
Instrument	1604/1914

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 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	$2,615.00 (+33.55%)	$136,440 (-5.66%)	$136,440 (-5.66%) Land $9,100 Building $127,340
2023	$1,958.00 (-13.36%) Homeowner's exemption	$144,630 (+16.1%)	$144,630 (+16.1%) Land $9,100 Building $135,530
2022	$2,260.00	$124,570	$124,570 Land $9,100 Building $115,470

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 32 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	32 in force
Nearby Flood Claims	12 (2004–2017)
Claims Outside the SFHA	4 of 12
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Hurricane Matthew, Oct 2016 · 7 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 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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