Putnam County property record for 110 Cedar Ln, Palatka, FL 32177
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,714 sqft · built 2000 |
| Lot Size | 1.21 acres (52,708 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $171,800 (May 2019) |
| Tax Bill | $2,778 (2025) |
| Deeds & Mortgages | Feb 2026 Second Mortgage Dec 2021 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-10-26-9000-0070-0020 |
| Primary APN | 22-10-26-9000-0070-0020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Building Area | 1,714 sqft Living Area |
| Gross Area | 2,290 sqft |
| 1st Floor Area | 1,714 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Lot Area | 52,708 sqft (1.21 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 325 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 92961 |
|---|---|
| Street Address | 110 CEDAR LN |
| City | PALATKA |
| State | FL |
| Zip | 32177-1701 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THOMAS STATION MB2 P33 W1/2 OF BLK 7 + PT CLOSED MAGNOLIA ST OR1250 P1947 (SUB TO ROW EASE OR1292 P867) |
| Legal Range | 26E |
| Legal Township | 10S |
| Legal Section | 22 |
| Legal Subdivision | THOMAS STATION |
| Legal Block | 7 |
| Legal Lot Number | 2 |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | PALATKA |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 950600 |
Source: Putnam County records, as of March 2, 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 Record |
|---|---|
| Mailing Address | 110 CEDAR LN, PALATKA, FL 32177-1701 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 6, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Dec 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 15, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST COAST COMMUNITY CU |
| Dec 15, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST COAST COMMUNITY CU |
| Dec 1, 2020 | Deed of Trust, Mortgage BRANCH BANKING AND TRUST CO |
| Dec 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 3, 2019 | Warranty Deed, Transfer · FHA Mortgage CENTERSTATE BANK OF FLORIDA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 3, 2019 · Amount on Record |
| Deed Sale | May 3, 2019 · Amount on Record |
| Prior Sale | Nov 30, 2007 · Amount on Record |
| Deed Document Number | 20197805 |
| Deed Book / Page | 1541 / 40 |
| Prior Transfer Date | May 3, 2007 |
| Prior Transfer Doc | 0011481472 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 110 CEDAR LN, PALATKA, FL 32177-1701 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 110 CEDAR LN, PALATKA, FL 32177-1701 |
| Document Number | 0018550264 |
|---|---|
| Date | Feb 6, 2026 |
| Book Page | 1855/264 |
| Instrument | 202654003451 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 110 CEDAR LN, PALATKA, FL 32177-1701 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0016491314 |
|---|---|
| Date | Dec 29, 2021 |
| Book Page | 1649/1314 |
| Instrument | 202154029789 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 110 CEDAR LN, PALATKA, FL 32177-1701 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 110 CEDAR LN, PALATKA, FL 32177-1701 |
| Document Number | 0017361371 |
|---|---|
| Date | Dec 15, 2023 |
| Book Page | 1736/1371 |
| Instrument | 202354027955 |
| Name | FIRST COAST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | PALATKA, FL 32177 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 14, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 110 CEDAR LN, PALATKA, FL 32177-1701 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2024 |
| Name | Verified Name |
|---|---|
| Address | 110 CEDAR LN, PALATKA, FL 32177-1701 |
| Document Number | 0017361371 |
|---|---|
| Date | Dec 15, 2023 |
| Book Page | 1736/1371 |
| Instrument | 202354027955 |
| Name | FIRST COAST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | PALATKA, FL 32177 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 14, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 110 CEDAR LN, PALATKA, FL 32177-1701 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 110 CEDAR LN, PALATKA, FL 32177-1701 |
| Document Number | 0015980702 |
|---|---|
| Date | Dec 1, 2020 |
| Book Page | 1598/702 |
| Instrument | 202054021740 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | GREENVILLE, SC 29607 |
| Amount | Amount Recorded |
|---|---|
| Term | 343 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 110 CEDAR LN, PALATKA, FL 32177-1701 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0016491314 |
|---|---|
| Date | Dec 29, 2021 |
| Book Page | 1649/1314 |
| Instrument | 202154029789 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PUTNAM FL |
| Recording Date | May 3, 2019 |
| Property Address | 110 CEDAR LN, PALATKA, FL 32177-1701 |
| Document Number | 0015410040 |
| Book / Page | 1541 / 0040 |
| Map Reference | MB 1250 PG 1947 |
| Instrument Date | May 2, 2019 |
| Instrument | 201954007805 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,202.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2602 UMBRELLA TREE DR, 2602, EDGEWATER, FL 32141-5312 |
| Name | Verified Name |
|---|---|
| Address | 110 CEDAR LN, PALATKA, FL 32177-1701 |
| Document Number | 0000154142 |
|---|---|
| Date | May 3, 2019 |
| Instrument | 1541/42 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
Source: Putnam County assessment roll, as of December 10, 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 | $2,778.00 (+12.56%) Homeowner's exemption | $186,320 (+5.98%) | $250,930 (-1.38%) Land $19,360 Building $231,570 |
| 2023 | $2,468.00 (+5.74%) Homeowner's exemption | $175,800 (+3%) | $254,430 (+15.17%) Land $14,520 Building $239,910 |
| 2022 | $2,334.00 Homeowner's exemption | $170,680 | $220,910 Land $14,520 Building $206,390 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 10 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 3 (2004–2024) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2024 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 83% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 47 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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