115 Bay Tree Ln, Florahome, FL 32140 Property Records

Putnam County property record for 115 Bay Tree Ln, Florahome, FL 32140

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,536 sqft · built 1986
Lot Size	5.5 acres (239,580 sqft)
Owner	Individual Name on Record
Last Sale	$362,000 (Dec 2024)
Tax Bill	$2,429 (2025)
Deeds & Mortgages	Dec 2024 Sale & Mortgage Jul 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`22-08-24-0000-0020-0070`

Property Details

APN / Parcel Number

Primary APN	`22-08-24-0000-0020-0070`
Alternative APN	`68859`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Building Area	1,536 sqft Living Area
1st Floor Area	1,536 sqft
Flooring	Wood

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Lot Area	239,580 sqft (5.5 acres)
Garage Type	Carport
Garage Area	280 sqft
Carport	Carport
Carport Area	280 sqft
Porch	Finished/Screened Porch
Porch Area	408 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	68859
Street Address	115 BAY TREE LN
City	FLORAHOME
State	FL
Zip	32140-1201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF W1/2 OF SE1/4 OF NE1/4, OR443 P51 (EX OR1155 P764)
Legal Range	24E
Legal Township	08S
Legal Section	22
Jurisdiction	PUTNAM FL
Township / Civil Division	INTERLACHEN-FLORAHOME
Census Block Group	2
Census Block	2049
Census Tract	950202

Owner

Source: Putnam County records, as of December 10, 2025

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	115 BAY TREE LN, FLORAHOME, FL 32140-1201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2024	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 17, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2024 · Amount on Record
Deed Sale	Dec 30, 2024 · Amount on Record
Prior Sale	Jul 24, 2015
Deed Document Number	202433765
Deed Book / Page	1791 / 149
Prior Transfer Date	Jul 17, 2024
Prior Transfer Doc	0017670842
Record Updated	Sep 20, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Dec 30, 2024
Property Address	115 BAY TREE LN, FLORAHOME, FL 32140-1201
Document Number	0017910149
Book / Page	1791 / 149
Instrument Date	Dec 30, 2024
Instrument	202454033765
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	GULLETT TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,534.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2536 NW 174TH ST, TRENTON, FL 32693-8044

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 BAY TREE LN, FLORAHOME, FL 32140-1201

Mortgage

Document Number	202454033766
Date	Dec 30, 2024
Instrument	202454033766

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

July 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PUTNAM FL
Recording Date	Jul 17, 2024
Property Address	115 BAY TREE LN, FLORAHOME, FL 32140-1201
Document Number	0017670842
Book / Page	1767 / 842
Instrument Date	Jul 17, 2024
Instrument	202454018863
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 BAY TREE LN, FLORAHOME, FL 32140-1201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 BAY TREE LN, FLORAHOME, FL 32140-1201

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	$2,429.00 (-16.41%)	$165,690 (-18.23%)	$208,150 (+2.73%) Land $77,000 Building $131,150
2023	$2,906.00 (+1.96%) Homeowner's exemption	$202,620 (+25.63%)	$202,620 (+25.63%) Land $66,000 Building $136,620
2022	$2,850.00	$161,280	$161,280 Land $44,000 Building $117,280

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 35 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	3 (2016–2017)
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

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

Wildfire Risk	High above 74% of the US · above 60% of Florida
Wildfire Likelihood	0.3% 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
Windstream DSL	100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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