Putnam County property record for 109 Shell Harbour Way, Satsuma, FL 32189
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,363 sqft · built 1982 |
| Lot Size | 0.389 acres (16,988 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Jul 2013) |
| Tax Bill | $3,012 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-11-26-0000-005.0-005.0 |
| Primary APN | 21-11-26-0000-005.0-005.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Building Area | 2,363 sqft Living Area |
| 1st Floor Area | 1,479 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Siding |
| Lot Area | 16,988 sqft (0.389 acres) |
| Lot Dimensions | 176 ft deep x 95 ft wide |
| Porch | Porch |
| Porch Area | 465 sqft |
| Deck Area | 378 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 86405 |
|---|---|
| Street Address | 109 SHELL HARBOUR WAY |
| City | SATSUMA |
| State | FL |
| Zip | 32189-3309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF GOVT LOT 4 OR291 P495 |
| Legal Range | 26E |
| Legal Township | 11S |
| Legal Section | 21 |
| Legal Lot Number | 4 |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | CRESCENT CITY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 951300 |
109 Shell Harbour Way is owned and occupied by an individual who bought it in July 2013.
Source: Putnam County records, as of January 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 SHELL HARBOUR WAY, SATSUMA, FL 32189-3309 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 30, 2013 · Amount on File |
| Deed Sale | Jul 30, 2013 · Amount on File |
| Prior Sale | Oct 31, 2006 · Amount on File |
| Deed Document Number | 201354777517 |
| Deed Book / Page | 1354 / 0689 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 109 Shell Harbour Way was $3,012 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 | $3,012.00 Homeowner's exemption | $200,190 | $368,200 Land $123,120 Building $245,080 |
| 2023 | $6,134.00 (+11.24%) | $377,460 (+8.85%) | $377,460 (+8.85%) Land $123,120 Building $254,340 |
| 2022 | $5,514.00 | $346,780 | $346,780 Land $123,120 Building $223,660 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Shell Harbour Way in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 88 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 150 units insured incl. 62 condo units |
| Nearby Flood Claims | 114 (2001–2025) |
| Claims Outside the SFHA | 1 of 114 |
| Most Recent Claim | Oct 2025 · rainfall accumulation |
| Claims by Event |
|
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 Shell Harbour Way is moderate, ranking above 50% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
5G and 4G LTE (outdoors only)
Search by:
By searching, you agree to: Terms • Privacy • Disclosures