117 Pine Oak Dr, Palatka, FL 32177 Property Records

Putnam County property record for 117 Pine Oak Dr, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	2,132 sqft · built 1987
Lot Size	0.5 acres (21,780 sqft)
Owner	Company Name on File
Last Sale	$75,000 (Nov 2021)
Tax Bill	$3,157 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-10-26-7221-000.0-021.0`

Property Details

APN / Parcel Number

Primary APN	`15-10-26-7221-000.0-021.0`
Alternative APN	`49462`

Interior

Plumbing Fixtures	10 Plumbing Fixtures
Building Area	2,132 sqft Living Area
1st Floor Area	1,918 sqft
Flooring	Steel Beam
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2010
Exterior Material	Siding
Lot Area	21,780 sqft (0.5 acres)
Porch	Porch
Porch Area	36 sqft
Deck Area	448 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	49462
Street Address	117 PINE OAK DR
City	PALATKA
State	FL
Zip	32177-7905
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE OAK WOODS MB6 P8 LOT 21
Legal Range	26E
Legal Township	10S
Legal Section	15
Legal Subdivision	PINE OAK WOODS
Legal Lot Number	21
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	2
Census Block	2005
Census Tract	950600

Owner

117 Pine Oak Dr is owned by a company that bought it in November 2021 and is owner-occupied.

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

Owner of Record	Company Name on File
Co-owner	Co-owner on File
Mailing Address	117 PINE OAK DR, PALATKA, FL 32177-7905
Occupancy	Owner Occupied
Owner Type	Company

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
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARM CREDIT SERVICES OF FLORIDA ACA
Nov 18, 2021	Warranty Deed, Transfer
Mar 8, 2021	Warranty Deed, Transfer GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO OF PALATKA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2021 · Amount on File
Deed Sale	Nov 18, 2021 · Amount on File
Prior Sale	Mar 8, 2021 · Amount on File
Deed Document Number	202154026633
Deed Book / Page	1644 / 834
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	117 PINE OAK DR, PALATKA, FL 32177-7905
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	294 JORDAN RD, FORT MC COY, FL 32134-2818

Mortgage

Document Number	0016471181
Date	Dec 10, 2021
Book Page	1647/1181
Instrument	202154028492

Lender

Name	FARM CREDIT SERVICES OF FLORIDA ACA
Type	Bank
Address	ALACHUA, FL 32615

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Nov 18, 2021
Property Address	117 PINE OAK DR, PALATKA, FL 32177-7905
Document Number	0016440834
Book / Page	1644 / 834
Map Reference	MB 6 PG 8
Instrument Date	Oct 25, 2021
Instrument	202154026633
Transaction Type	Transfer
Record Updated	Dec 7, 2021

Transaction

Amount	Amount on Record
Tax	$525.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	167 QUEENS COUNTRY RD, 167, INTERLACHEN, FL 32148-4270

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1519 SAINT JOHNS AVE, PALATKA, FL 32177-4436

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Mar 8, 2021
Property Address	117 PINE OAK DR, PALATKA, FL 32177-7905
Document Number	0016100911
Book / Page	1610 / 911
Map Reference	MB 6 PG 8
Instrument Date	Mar 4, 2021
Instrument	202154005053
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO OF PALATKA

Transaction

Amount	Amount on Record
Tax	$525.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2011 LOCUST AVE, 2011, PALATKA, FL 32177-5824

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	167 QUEENS COUNTRY RD, INTERLACHEN, FL 32148-4270

Tax Assessment & Valuation

The 2025 property tax bill for 117 Pine Oak Dr was $3,157 with a homeowner's exemption.

Source: Putnam County assessment roll, as of July 1, 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	$3,157.00 Homeowner's exemption	$208,770	$289,680 Land $17,500 Building $272,180
2023	$2,825.00 (+5.61%) Homeowner's exemption	$197,650 (+3%)	$266,420 (+15.45%) Land $17,500 Building $248,920
2022	$2,675.00 Homeowner's exemption	$191,900	$230,770 Land $17,500 Building $213,270

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

Flood

FEMA maps place 117 Pine Oak Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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	6 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2024 · Hurricane Milton

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 117 Pine Oak Dr is low, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.08% 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 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: Verizon.

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