112 Key Rd, Palatka, FL 32177 Property Records

Putnam County property record for 112 Key Rd, Palatka, FL 32177

Property Summary

Property Type	Vacant Land
Lot Size	1.26 acres (54,886 sqft)
Owner	2 Individual Names on File
Last Sale	$30,000 (Apr 2024)
Tax Bill	$173 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-09-26-0000-0402-0000`

Property Details

APN / Parcel Number

Primary APN	`17-09-26-0000-0402-0000`
Alternative APN	`97952`

Exterior

Lot Area	54,886 sqft (1.26 acres)

Location & Zoning

Account Number	97952
Street Address	112 KEY RD
City	PALATKA
State	FL
Zip	32177-8229
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	S1/2 OF NE1/4 OF SW1/4 OF, SW1/4 OR206 P483 (EX BK225, P377 OR204 P131 OR313 P941, OR1191 P949) (SUBJECT TO ESMT, OR898 P1980)
Legal Range	26E
Legal Township	09S
Legal Section	17
Jurisdiction	PUTNAM FL
Township / Civil Division	INTERLACHEN-FLORAHOME
Census Block Group	1
Census Block	1000
Census Tract	950202

Owner

112 Key Rd, vacant land, is owned by two individuals who bought it in April 2024.

Source: Putnam County records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	115 KEY RD, PALATKA, FL 32177-8230
Owner Type	Individual
Vesting	Married Couple

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
Jun 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jun 30, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
May 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Apr 3, 2024	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2024 · Amount on File
Deed Sale	Apr 3, 2024 · Amount on File
Deed Document Number	20248211
Deed Book / Page	1751 / 668
Prior Transfer Date	Apr 15, 2008
Prior Transfer Doc	0011900728
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Recording Date	Jun 16, 2026
Property Address	112 KEY RD, PALATKA, FL 32177-8229
Document Number	0018741068
Book / Page	1874 / 1068
Instrument Date	Jun 1, 2026
Instrument	202614755
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 KEY RD, PALATKA, FL 32177-8229

Mortgage

Document Number	0000014755,
Date	Jun 16, 2026
Book Page	1874/1068
Instrument	202614755

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	112 KEY RD, PALATKA, FL 32177-8229
Transaction Type	Mortgage
Record Updated	Jan 13, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016251146
Date	Jun 30, 2021
Book Page	1625/1146
Instrument	202154014564

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Recording Date	May 7, 2026
Property Address	112 KEY RD, PALATKA, FL 32177-8229
Document Number	0000011481
Book / Page	1868 / 1954
Instrument Date	Dec 17, 2025
Instrument	202611481
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 KEY RD, PALATKA, FL 32177-8229
Investor	Possibly a Property Investor

Mortgage

Document Number	0000011481,
Date	May 7, 2026
Book Page	1868/1954
Instrument	202611481

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.26%
Max Rate	-1%

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM FL
Recording Date	Apr 3, 2024
Property Address	112 KEY RD, PALATKA, FL 32177-8229
Document Number	0017510668
Book / Page	1751 / 668
Instrument Date	Mar 26, 2024
Instrument	202454008211
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Amount	Amount on Record
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 KEY RD, PALATKA, FL 32177-8230

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 KEY RD, PALATKA, FL 32177-8230

Tax Assessment & Valuation

The 2025 property tax bill for 112 Key Rd was $173.

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	$173.00	$10,250 Land $10,250	$10,250 Land $10,250
2023	$188.00 (+22.88%)	$13,160 (+37.51%)	$13,160 (+37.51%) Land $13,160
2022	$153.00	$9,570	$9,570 Land $9,570

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 112 Key Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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	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 112 Key Rd is moderate, ranking above 61% 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 61% of the US · lower than 63% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL	50 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Key Rd

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