109 Cherry Laurel Dr, Melrose, FL 32666 Property Records

Putnam County property record for 109 Cherry Laurel Dr, Melrose, FL 32666

Property Summary

Property Type	Single Family Home
Details	1,296 sqft · built 1997
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Last Sale	$35,000 (Aug 2021)
Tax Bill	$710 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`19-09-23-0100-019.0-015.0`

Property Details

APN / Parcel Number

Primary APN	`19-09-23-0100-019.0-015.0`
Alternative APN	`447`

Interior

Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 1997
Lot Area	130,680 sqft (3 acres)
Deck Area	96 sqft

Location & Zoning

Account Number	447
Street Address	109 CHERRY LAUREL DR
City	MELROSE
State	FL
Zip	32666-4437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASHLEY LAKE PLANTATION MB 6, P
Legal Range	23E
Legal Township	09S
Legal Section	19
Legal Subdivision	ASHLEY LAKE PLANTATION
Legal Block	S
Legal Lot Number	15
Jurisdiction	PUTNAM FL
Township / Civil Division	INTERLACHEN-FLORAHOME
Census Block Group	2
Census Block	2025
Census Tract	950300

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	20751 WOLFTRAP ST, LEXINGTON PARK, MD 20653-2351
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage 21ST MORTGAGE CORP
Aug 2, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2021 · Amount on Record
Deed Sale	Aug 2, 2021 · Amount on Record
Prior Sale	Sep 1, 2005 · Amount on Record
Deed Document Number	202154017212
Deed Book / Page	1629 / 1697
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	109 CHERRY LAUREL DR, MELROSE, FL 32666-4437
Transaction Type	Mortgage
Record Updated	Nov 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018380220
Date	Oct 22, 2025
Book Page	1838/220
Instrument	202554029765

Lender

Name	21ST MORTGAGE CORP
Type	Subprime Lender
Address	KNOXVILLE, TN 37902

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Aug 2, 2021
Property Address	109 CHERRY LAUREL DR, MELROSE, FL 32666-4437
Document Number	0016291697
Book / Page	1629 / 1697
Map Reference	MB 6 PG 30
Instrument Date	Jul 29, 2021
Instrument	202154017212
Transaction Type	Transfer
Record Updated	Feb 14, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$245.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 395, HAYESVILLE, NC 28904-0395

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20751 WOLFTRAP ST, LEXINGTON PARK, MD 20653-2351

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	$710.00 (+15.82%)	$43,390 (+15.64%)	$43,390 (+15.64%) Land $39,000 Building $4,390
2023	$613.00 (+6.79%)	$37,520 (+4.89%)	$37,520 (+4.89%) Land $33,000 Building $4,520
2022	$574.00	$35,770	$35,770 Land $30,000 Building $5,770

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	11 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	High above 77% of the US · above 64% of Florida
Wildfire Likelihood	0.3% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
Windstream DSL	25 / 3

May also be available: AT&T, Xfinity.

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