Putnam County property record for 109 Cedar St, Melrose, FL 32666
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,092 sqft · built 1982 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $19,400 (Feb 2008) |
| Tax Bill | $459 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-09-23-3407-009.0-005.0 |
| Primary APN | 10-09-23-3407-009.0-005.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Year Built | Built 1982 |
|---|---|
| Exterior Material | Protective Coating |
| Lot Area | 87,120 sqft (2 acres) |
| Lot Dimensions | 202 ft deep x 432 ft wide |
| Deck Area | 288 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 11431 |
|---|---|
| Street Address | 109 CEDAR ST |
| City | MELROSE |
| State | FL |
| Zip | 32666-3114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF NE1/4 OR286 P255, (HALFM |
| Legal Range | 23E |
| Legal Township | 09S |
| Legal Section | 10 |
| Legal Subdivision | HALFMOON LAKE HOMESITES |
| Legal Block | I |
| Legal Lot Number | 5 6 |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | INTERLACHEN-FLORAHOME |
| Census Block Group | 4 |
| Census Block | 4023 |
| Census Tract | 950300 |
The current owner of 109 Cedar St bought it in February 2008.
Source: Putnam County records, as of January 12, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 109 CEDAR ST, MELROSE, FL 32666-3114 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 7, 2008 · Amount on File |
| Deed Sale | Feb 7, 2008 · Amount on File |
| Prior Sale | Sep 4, 2007 |
| Deed Document Number | 200854641629 |
| Deed Book / Page | 1182 / 0759 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 109 Cedar St was $459 with a homeowner's exemption.
Source: Putnam County assessment roll, as of July 1, 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 | $459.00 Homeowner's exemption | $43,090 | $90,222 Land $15,030 Building $75,192 |
| 2023 | $511.00 (+4.07%) Homeowner's exemption | $40,660 (+2.99%) | $94,252 (+6.88%) Land $15,030 Building $79,222 |
| 2022 | $491.00 Homeowner's exemption | $39,480 | $88,182 Land $20,040 Building $68,142 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Cedar St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.
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 |
| Flood Insurance Cost | Premium on File median of 21 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 2 (2017–2024) |
| Most Recent Claim | Sep 2024 · rainfall accumulation |
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 risk around 109 Cedar St is moderate, ranking above 68% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 48% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 200 / 20 |
May also be available: AT&T, Verizon, Xfinity.
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