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109 Flora Ter, Florahome, FL 32140 Property Records

Putnam County property record for 109 Flora Ter, Florahome, FL 32140

Property Summary

Property TypeSingle Family Home
Details1,274 sqft · built 1990
Lot Size0.33 acres (14,375 sqft)
OwnerCompany Name on Record
Last Sale$180,000 (Feb 2002)
Tax Bill$3,668 (2025)
Deeds & MortgagesMay 2017 Loan Modification
Flood ZoneZone AE (high risk)
APN18-08-25-5110-9070-0050

Property Details

APN / Parcel Number

Primary APN18-08-25-5110-9070-0050
Alternative APN
  • 37406

Interior

Plumbing Fixtures9 Plumbing Fixtures
Building Area1,274 sqft Living Area
1st Floor Area1,274 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Exterior MaterialWood Siding
Roof TypeGambrel
Lot Area14,375 sqft (0.33 acres)
Lot Dimensions179 ft deep x 80 ft wide
Garage Area576 sqft
PorchEnclosed Porch
Porch Area405 sqft
Deck Area347 sqft

Utilities, Heating & Cooling

Heating SystemHeat Pump

Location & Zoning

Account Number37406
Street Address109 FLORA TER
CityFLORAHOME
StateFL
Zip32140-1730
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKESIDE HILLS SEC 10 MB4 P168, BLK 907 LOT 5
Legal Range25E
Legal Township08S
Legal Section18
Legal SubdivisionLAKESIDE HILLS
Legal Block907
Legal Lot Number5
JurisdictionPUTNAM FL
Township / Civil DivisionINTERLACHEN-FLORAHOME
Census Block Group2
Census Block2011
Census Tract950202

Owner

Source: Putnam County records, as of December 10, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address109 FLORA TER, FLORAHOME, FL 32140-1730
OccupancyOwner Occupied
Owner TypeCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 1, 2002 · Amount on Record
Deed SaleFeb 1, 2002 · Amount on Record
Deed Document Number2002431195
Deed Book / Page883 / 442
Last Transfer DateApr 20, 2015
Transfer Doc0014070557
Record UpdatedJun 8, 2026

May 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPUTNAM FL
Property Address109 FLORA TER, FLORAHOME, FL 32140-1730
Document Number0014761527
Book / Page001476 / 001527
Instrument DateMay 11, 2017
Transaction TypeMortgage
Record UpdatedJun 27, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address109 FLORA TER FLORAHOME FL 321401730, FLORAHOME, FL 32140-1730

Mortgage

Document Number0014761527
DateJun 14, 2017
Book Page001476/001527
Instrument54010760
Lender
NameVYSTAR CU
TypeCredit Union
AddressJACKSONVILLE, FL 32232-5085
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJun 13, 2032
Interest
Rate TypeFixed Rate
Rate3.75%

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of December 10, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyPutnam County
Unified School DistrictPutnam County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,668.00 (+11.97%) Homeowner's exemption Widower's exemption$244,030 (+5.98%)$355,220 (-2.57%) Land $89,600 Building $265,620
2023$3,276.00 (+3.15%) Senior Citizen's exemption$230,260 (+3%)$364,580 (+13.7%) Land $89,600 Building $274,980
2022$3,176.00 Senior Citizen's exemption$223,560$320,640 Land $80,640 Building $240,000

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation100.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 35 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies35 in force
Nearby Flood Claims3 (2016–2017)
Most Recent ClaimSep 2017 · Hurricane Irma
Claims by Event
  • Hurricane Irma, Sep 2017 · 2 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 RiskModerate
above 46% of the US · lower than 83% of Florida
Wildfire Likelihood0.09% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 14 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
Windstream
DSL		25 / 3

Cell Coverage

4G LTE (outdoors only), no 5G reported

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