109 Pine Tree Dr, Palatka, FL 32177 Property Records

Putnam County property record for 109 Pine Tree Dr, Palatka, FL 32177

Property Summary

Property Type	Mobile Home
Details	960 sqft · built 1992
Lot Size	9.26 acres (403,366 sqft)
Owner	2 Individual Names on File
Last Sale	$112,500 (Dec 2020)
Tax Bill	$3,069 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Aug 2021 Sale + 1 more
Flood Zone	Zone A (high risk)
APN	`33-09-25-4077-0310-0070`

Property Details

APN / Parcel Number

Primary APN	`33-09-25-4077-0310-0070`
Alternative APN	`26729`

Interior

Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2005
Architectural Style	Mobile Home
Lot Area	403,366 sqft (9.26 acres)

Location & Zoning

Account Number	26729
Street Address	109 PINE TREE DR
City	PALATKA
State	FL
Zip	32177
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	INTERLACHEN LAKES ESTATES, DUNHAM WOODS UNIT 18 MB5 P14, BLK 31 LOTS 7 + 8 (SUB TO ROW, OR1363 P1069)
Legal Range	25E
Legal Township	09S
Legal Section	33
Legal Subdivision	INTERLACHEN LAKES ESTATES
Legal Block	31
Legal Lot Number	7
Jurisdiction	PUTNAM FL
Township / Civil Division	INTERLACHEN-FLORAHOME
Census Block Group	1
Census Block	1009
Census Tract	950202

Owner

109 Pine Tree Dr, a mobile home, is owned and occupied by two individuals who bought it in December 2020.

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	109 PINE TREE DR, PALATKA, FL 32177
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK NA
Aug 25, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Dec 3, 2020	Warranty Deed, Transfer GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO/PALATKA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2020 · Amount on File
Deed Sale	Dec 3, 2020 · Amount on File
Prior Sale	Jul 5, 2006 · Amount on File
Deed Document Number	202021987
Deed Book / Page	1598 / 1695
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	109 PINE TREE DR, PALATKA, FL 32177
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11437 PIKE AVE, SPRING HILL, FL 34609-2558

Mortgage

Document Number	0017461246
Date	Feb 29, 2024
Book Page	1746/1246
Instrument	202454005221

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	2440 MALL DR, NORTH CHARLESTON, SC 29406

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Aug 25, 2021
Property Address	109 PINE TREE DR, PALATKA, FL 32177
Document Number	0016330136
Book / Page	1633 / 136
Map Reference	MB 5 PG 14
Instrument Date	Jul 21, 2021
Instrument	202154019267
Transaction Type	Transfer
Record Updated	Apr 11, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 488, HOLLISTER, FL 32147-0488

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 488, HOLLISTER, FL 32147-0488

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Dec 3, 2020
Property Address	109 PINE TREE, PALATKA, FL 32177
Document Number	0015981695
Book / Page	001598 / 001695
Instrument Date	Dec 3, 2020
Instrument	54021987
Transaction Type	Transfer
Record Updated	Dec 21, 2020
Title Company	GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO/PALATKA

Transaction

Amount	Amount on Record
Tax	$788.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PINE TREE DR PALATKA FL 32177, PALATKA, FL 32177

Tax Assessment & Valuation

The 2025 property tax bill for 109 Pine Tree Dr was $3,069.

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	$3,069.00	$163,290 Land $101,860 Building $61,430	$163,290 Land $101,860 Building $61,430
2023	$964.00 (+7.11%) Homeowner's exemption	$83,840 (+3%)	$159,160 (+9.41%) Land $92,600 Building $66,560
2022	$900.00 Homeowner's exemption	$81,400	$145,470 Land $92,600 Building $52,870

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 109 Pine Tree Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective February 2, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2004)
Most Recent Claim	Sep 2004 · Hurricane Frances

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 Pine Tree Dr is moderate, ranking above 67% 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 67% of the US · above 45% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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