114 Everett St, Palatka, FL 32177 Property Records

Putnam County property record for 114 Everett St, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	1,104 sqft · built 1981
Lot Size	1.7 acres (74,052 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Oct 2009)
Tax Bill	$1,056 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-09-27-0000-0270-0019`

Property Details

APN / Parcel Number

Primary APN	`51-09-27-0000-0270-0019`
Alternative APN	`74402`

Interior

Plumbing Fixtures	12 Plumbing Fixtures
Building Area	1,104 sqft Living Area
Gross Area	1,440 sqft
1st Floor Area	1,104 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Lot Area	74,052 sqft (1.7 acres)
Garage Type	Attached
Garage Area	336 sqft
Porch	Finished/Open Porch
Porch Area	392 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	74402
Street Address	114 EVERETT ST
City	PALATKA
State	FL
Zip	32177-7104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF FLEMING GRT OR407 P1890, (LOT 8) (MAP SHEET 15/51)
Legal Range	27E
Legal Township	09S
Legal Section	51
Legal Subdivision	GEORGE FLEMING GRANT
Legal Block	A
Legal Lot Number	8
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	2
Census Block	2001
Census Tract	950100

Owner

Source: Putnam County records, as of June 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	114 EVERETT ST, PALATKA, FL 32177-7104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CREDIT UNION
Apr 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE LLC
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2009 · Amount on Record
Deed Sale	Oct 1, 2009 · Amount on Record
Prior Sale	Nov 14, 2003 · Amount on Record
Deed Document Number	2009688755
Deed Book / Page	1240 / 509
Last Transfer Date	Dec 18, 2019
Transfer Doc	0015641971
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Recording Date	May 27, 2026
Property Address	114 EVERETT ST, PALATKA, FL 32177-7104
Document Number	0000013090
Book / Page	1871 / 1247
Instrument Date	May 21, 2026
Instrument	202613090
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 EVERETT ST, PALATKA, FL 32177-7104

Mortgage

Document Number	0000013090,
Date	May 27, 2026
Book Page	1871/1247
Instrument	202613090

Lender

Name	VYSTAR CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	114 EVERETT ST, PALATKA, FL 32177-7104
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015750231
Date	Apr 23, 2020
Book Page	1575/231
Instrument	202054007039

Lender

Name	MUTUAL OF OMAHA MORTGAGE LLC
Type	Mortgage Company
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	114 EVERETT ST, PALATKA, FL 32177-7104
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 EVERETT ST, PALATKA, FL 32177-7104

Mortgage

Document Number	0015930536
Date	Oct 15, 2020
Book Page	1593/536
Instrument	202054018605

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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	$1,056.00 (+8.75%) Homeowner's exemption Disabled Person's exemption	$89,330 (+5.97%)	$198,420 (+31.47%) Land $22,950 Building $175,470
2023	$971.00 (+7.06%) Homeowner's exemption	$84,300 (+2.99%)	$150,920 (+17.75%) Land $22,950 Building $127,970
2022	$907.00 Homeowner's exemption	$81,850	$128,170 Land $15,300 Building $112,870

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

Flood

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 32 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	32 in force
Nearby Flood Claims	12 (2004–2017)
Claims Outside the SFHA	4 of 12
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Hurricane Matthew, Oct 2016 · 7 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

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

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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