112 Main St, Palatka, FL 32177 Property Records

Putnam County property record for 112 Main St, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,306 sqft · built 1897
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Tax Bill	$5,424 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`42-10-27-6850-005.0-002.0`

Property Details

APN / Parcel Number

Primary APN	`42-10-27-6850-005.0-002.0`
Alternative APN	`42428`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Building Area	2,306 sqft Living Area
1st Floor Area	991 sqft
2nd Floor Area	991 sqft

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1999
Exterior Material	Siding
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	100 ft deep x 123 ft wide
Porch	Porch
Porch Area	425 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	42428
Street Address	112 MAIN ST
City	PALATKA
State	FL
Zip	32177-3716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DICK'S MAP OF PALATKA MB2 P46
Legal Range	27E
Legal Township	10S
Legal Section	42
Legal Subdivision	PALATKA
Legal Block	5
Legal Lot Number	2
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	1
Census Block	1009
Census Tract	950800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Palatka North Historic District listed 1983 · 76 contributing resources · NRIS 83003552

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

112 Main St is owned and occupied by an individual who acquired it in January 2025.

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

Owner of Record	Individual Name on File
Mailing Address	112 MAIN ST, PALATKA, FL 32177-3716
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

Date	Document
Aug 14, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Apr 5, 2022	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2025
Deed Sale	Jan 14, 2025
Prior Sale	Apr 5, 2022 · Amount on File
Deed Document Number	202554001103
Deed Book / Page	1793 / 569
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	112 MAIN ST, PALATKA, FL 32177-3716
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 MAIN ST, PALATKA, FL 32177-3716

Mortgage

Document Number	0017210954
Date	Aug 14, 2023
Book Page	1721/954
Instrument	202354018134

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 3, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Apr 5, 2022
Property Address	112 MAIN ST, PALATKA, FL 32177-3716
Document Number	0016621674
Book / Page	1662 / 1674
Instrument Date	Mar 11, 2022
Instrument	202254008109
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	NU WORLD TITLE LLC, NU WORLD TITLE OF TAMPA LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 LA QUINTA PL, 107, SAINT AUGUSTINE, FL 32084-4318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3215 SEMMES AVE, RICHMOND, VA 23225-3449

Mortgage

Document Number	0016621680
Date	Apr 5, 2022
Instrument	1662/1680

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 112 Main St was $5,424 with a homeowner's exemption.

Source: Putnam County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Putnam County
Municipality	Palatka City
Unified School District	Putnam County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,424.00 Homeowner's exemption	$283,480	$283,480 Land $49,820 Building $233,660
2023	$6,564.00 (+77.07%)	$275,480 (+74.2%)	$275,480 (+74.2%) Land $33,210 Building $242,270
2022	$3,707.00	$158,140	$158,140 Land $33,210 Building $124,930

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

Flood

FEMA maps place 112 Main St in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (2001–2017)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 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 112 Main St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	R.C. WILLIS WTP (CITY OF PALATKA) serves 11,900 people · EPA ID FL2544260
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	17 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes resolved · Oct 2024 Haloacetic acids resolved · Jan 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	21 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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