109 Spec Ln, Crescent City, FL 32112 Property Records

Putnam County property record for 109 Spec Ln, Crescent City, FL 32112

Property Summary

Property Type	Mobile Home
Details	784 sqft · built 1985
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Tax Bill	$1,110 (2025)
Deeds & Mortgages	Dec 2017 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`03-12-27-0000-001.0-238.0`

Property Details

APN / Parcel Number

Primary APN	`03-12-27-0000-001.0-238.0`
Alternative APN	`89475`

Interior

Building Area	784 sqft Living Area
1st Floor Area	784 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1992
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	78 ft deep x 93 ft wide
Porch	Porch
Porch Area	215 sqft
Total Buildings	2 Buildings

Location & Zoning

Account Number	89475
Street Address	109 SPEC LN
City	CRESCENT CITY
State	FL
Zip	32112-4180
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	PT OF E1/2 OF NE1/4 OR245 P229
Legal Range	27E
Legal Township	12S
Legal Section	03
Legal Subdivision	LAKE CRESCENT ESTATE
Legal Lot Number	238
Jurisdiction	PUTNAM FL
Township / Civil Division	CRESCENT CITY
Census Block Group	5
Census Block	5031
Census Tract	951200

Owner

109 Spec Ln, a mobile home, is owned and occupied by an individual who acquired it in August 2025.

Source: Putnam County records, as of January 12, 2026

Owner of Record	Individual Name on File
Mailing Address	109 SPEC LN, CRESCENT CITY, FL 32112-4180
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2025
Deed Sale	Aug 20, 2025
Prior Sale	Dec 6, 2017 · Amount on File
Deed Document Number	202554023287
Deed Book / Page	1827 / 15
Record Updated	Jun 8, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Dec 6, 2017
Property Address	109 SPEC LN, CRESCENT CITY, FL 32112-4180
Document Number	0014920163
Book / Page	001492 / 000163
Instrument Date	Nov 17, 2017
Instrument	54021450
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	LAKESIDE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	116 MICHAEL DR CRESCENT CITY FL 321125428, CRESCENT CITY, FL 32112-5428

Mortgage

Document Number	14920166
Date	Dec 6, 2017
Book Page	001492/000166
Instrument	54021451

Lender

Name	RICHARD T & SANDRA L KOWALCZYK
Address	4930 WARRINGTON WAY, GLADWIN, MI 48624-8128
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 109 Spec Ln was $1,110.

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	$1,110.00	$56,870	$56,870 Land $12,130 Building $44,740
2023	$938.00 (+16.23%)	$54,750 (+34.59%)	$54,750 (+34.59%) Land $12,130 Building $42,620
2022	$807.00	$40,680	$40,680 Land $7,110 Building $33,570

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

Flood

FEMA maps place 109 Spec Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2001.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	5 (2001–2017)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 3 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

Wildfire risk around 109 Spec Ln is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Windstream.

Nearby Properties on Spec Ln

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