Putnam County property record for 107 E Cardinal St, Palatka, FL 32177
| Property Type | Single Family Home |
|---|---|
| Details | built 2023 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $695,000 (Mar 2026) |
| Tax Bill | $8,578 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Mar 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-10-26-0000-0810-0020 |
| Primary APN | 11-10-26-0000-0810-0020 |
|---|---|
| Alternative APN |
|
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Construction Type | Wood |
| Lot Area | 217,800 sqft (5 acres) |
| Account Number | 105917 |
|---|---|
| Street Address | 107 E CARDINAL ST |
| City | PALATKA |
| State | FL |
| Zip | 32177-4196 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 1/2 OF SW1/4 OF NE1/4 OF SE1/4 OR1626 P1704 LS21-011 PARCEL B (SUBJECT TO CLAY ELECT ESMT OR1689 P513) |
| Legal Range | 26E |
| Legal Township | 10S |
| Legal Section | 11 |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | PALATKA |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 950900 |
Source: Putnam County records, as of October 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 File |
|---|---|
| Mailing Address | 107 E CARDINAL ST, PALATKA, FL 32177-4196 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 8, 2025 | Deed of Trust, Mortgage · Line of Credit SOUTHSTATE BANK NA |
| Mar 11, 2026 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2026 · Amount on File |
| Deed Sale | Mar 11, 2026 · Amount on File |
| Prior Sale | Jul 12, 2021 · Amount on File |
| Deed Document Number | 20266376 |
| Deed Book / Page | 1860 / 417 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 107 E CARDINAL ST, PALATKA, FL 32177-4196 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2026 |
| Name | Verified Name |
|---|---|
| Address | 107 E CARDINAL ST, PALATKA, FL 32177-4196 |
| Document Number | 0018450523 |
|---|---|
| Date | Dec 8, 2025 |
| Book Page | 1845/523 |
| Instrument | 202554033922 |
| Name | SOUTHSTATE BANK NA |
|---|---|
| Type | Bank |
| Address | PALATKA, FL 32177 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 59 Months |
| Due | Nov 20, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PUTNAM FL |
| Recording Date | Mar 11, 2026 |
| Property Address | 107 E CARDINAL ST, PALATKA, FL 32177-4196 |
| Document Number | 0018600417 |
| Book / Page | 1860 / 417 |
| Instrument Date | Mar 6, 2026 |
| Instrument | 202654006376 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2026 |
| Title Company | FLORIDA CLOSING COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,865.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 WILDERNESS TRL, CRESCENT CITY, FL 32112-5046 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 107 E CARDINAL ST, PALATKA, FL 32177-4196 |
| Document Number | 0001860419 |
|---|---|
| Date | Mar 11, 2026 |
| Instrument | 1860/419 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
Source: Putnam County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Putnam County |
| Unified School District | Putnam County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,578.00 (+594.01%) Homeowner's exemption | $529,820 (+783.03%) | $578,150 (+863.58%) Land $80,000 Building $498,150 |
| 2023 | $1,236.00 (+28.22%) | $60,000 (-) | $60,000 (-) Land $60,000 |
| 2022 | $964.00 | $60,000 | $60,000 Land $60,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% 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.
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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