109 Harbour St, Interlachen, FL 32148 Property Records

Putnam County property record for 109 Harbour St, Interlachen, FL 32148

Property Summary

Property Type	Single Family Home
Details	934 sqft · built 1984
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on File
Last Sale	$10,500 (Feb 2024)
Tax Bill	$164 (2025)
Deeds & Mortgages	Feb 2024 Sale Jul 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-10-24-4074-0110-0800`

Property Details

APN / Parcel Number

Primary APN	`20-10-24-4074-0110-0800`
Alternative APN	`15742`

Interior

Building Area	934 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	16,988 sqft (0.39 acres)

Location & Zoning

Account Number	15742
Street Address	109 HARBOUR ST
City	INTERLACHEN
State	FL
Zip	32148-6630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INTERLACHEN LAKES ESTATES, UNIT 15 MB4 P186 BLK 11 LOT 80
Legal Range	24E
Legal Township	10S
Legal Section	20
Legal Subdivision	INTERLACHEN LAKES ESTATES
Legal Lot Number	80
Jurisdiction	PUTNAM FL
Township / Civil Division	INTERLACHEN-FLORAHOME
Census Block Group	4
Census Block	4007
Census Tract	950500

Owner

109 Harbour St is owned and occupied by an individual who bought it in February 2024.

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

Owner of Record	Individual Name on File
Mailing Address	109 HARBOUR ST, INTERLACHEN, FL 32148-6630
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Quit Claim Deed, Transfer Quitclaim
Jul 8, 2021	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
Nov 4, 2020	Quit Claim Deed, Transfer · Conventional Mortgage JAMES SAUNDERS
Jul 20, 2020	Tax Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2024 · Amount on File
Deed Sale	Feb 27, 2024 · Amount on File
Prior Sale	Nov 4, 2020 · Amount on File
Deed Document Number	20244874
Deed Book / Page	1746 / 123
Transfer Doc	0016260912
Record Updated	Oct 29, 2026

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM FL
Recording Date	Feb 27, 2024
Property Address	109 HARBOUR ST, INTERLACHEN, FL 32148-6630
Document Number	0017460123
Book / Page	1746 / 123
Instrument Date	Feb 23, 2024
Instrument	202454004874
Transaction Type	Transfer
Record Updated	Apr 12, 2024

Transaction

Amount	Amount on Record
Tax	$73.50
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18545 NW 45TH AVENUE RD, CITRA, FL 32113-2198

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 FLORIDA TRL, INTERLACHEN, FL 32148-8239

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM FL
Recording Date	Jul 8, 2021
Property Address	109 HARBOUR ST, INTERLACHEN, FL 32148-6630
Document Number	0016260912
Book / Page	1626 / 912
Map Reference	MB 4 PG 186
Instrument	202154015064
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1051, ORANGE PARK, FL 32067-1051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 285, MC INTOSH, FL 32664-0285

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM FL
Recording Date	Nov 4, 2020
Property Address	109 HARBOUR ST, INTERLACHEN, FL 32148-6630
Document Number	0015951203
Book / Page	001595 / 001203
Instrument Date	Nov 4, 2020
Instrument	54020147
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1051 ORANGE PARK FL 320671051, ORANGE PARK, FL 32067-1051

Mortgage

Document Number	15951222
Date	Nov 4, 2020
Book Page	001595/001222
Instrument	54020153

Lender

Name	JAMES SAUNDERS
Address	1785 NW FORK RD, STUART, FL 34994-9429

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Nov 3, 2023

Interest

Rate	9%

July 2020: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	PUTNAM FL
Recording Date	Jul 20, 2020
Property Address	109 HARBOUR ST, INTERLACHEN, FL 32148-6630
Document Number	0015830075
Book / Page	001583 / 000075
Instrument Date	Jul 20, 2020
Instrument	54012246
Transaction Type	Foreclosure
Record Updated	Aug 31, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$21.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1785 NW FORK RD STUART FL 349949429, STUART, FL 34994-9429

Tax Assessment & Valuation

The 2025 property tax bill for 109 Harbour St was $164.

Source: Putnam County assessment roll, as of December 10, 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	$164.00	$6,960 Land $4,000 Building $2,960	$6,960 Land $4,000 Building $2,960
2023	$114.00 (+10.68%)	$5,480 (+19.13%)	$5,480 (+19.13%) Land $3,200 Building $2,280
2022	$103.00	$4,600	$4,600 Land $1,600 Building $3,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 109 Harbour St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2009.

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 26 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	2 (2009–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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

Wildfire risk around 109 Harbour St is moderate, ranking above 59% 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 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% 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 18 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

Cell Coverage

5G and 4G LTE (outdoors only)

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