Putnam County property record for 117 Pine Tree Trl, Palatka, FL 32177
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,170 sqft · built 1978 |
| Lot Size | 0.98 acres (42,689 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,792 (2025) |
| Deeds & Mortgages | Jul 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-10-26-0000-048.1-003.0 |
| Primary APN | 21-10-26-0000-048.1-003.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Building Area | 3,170 sqft Living Area |
| 1st Floor Area | 1,845 sqft |
| Flooring | Steel Beam |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Exterior Material | Stucco |
| Lot Area | 42,689 sqft (0.98 acres) |
| Garage Type | Detached |
| Garage Area | 1,140 sqft |
| Porch | Porch |
| Porch Area | 697 sqft |
| Account Number | 80913 |
|---|---|
| Street Address | 117 PINE TREE TRL |
| City | PALATKA |
| State | FL |
| Zip | 32177-9548 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF E1/2 OF W1/2 OF SE1/4, O |
| Legal Range | 26E |
| Legal Township | 10S |
| Legal Section | 21 |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | PALATKA |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 950600 |
Source: Putnam County records, as of January 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 117 PINE TREE TRL, PALATKA, FL 32177-9548 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 117 PINE TREE TRL, PALATKA, FL 32177-9548 |
| Document Number | 0015131602 |
| Instrument Date | Jul 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2018 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 117 PINE TREE TRL PALATKA FL 321779548, PALATKA, FL 32177-9548 |
| Document Number | 0015131602 |
|---|---|
| Date | Jul 26, 2018 |
| Book Page | 001513/001602 |
| Instrument | 54013745 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 25, 2048 |
| Rate Type | Adjustable Rate |
|---|
Source: Putnam County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Putnam County |
| Unified School District | Putnam County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,792.00 (+14.43%) Homeowner's exemption | $127,910 (+5.98%) | $219,900 (-3.55%) Land $16,000 Building $203,900 |
| 2023 | $1,566.00 (+323.24%) Homeowner's exemption | $120,690 (+3%) | $227,990 (+14.36%) Land $12,000 Building $215,990 |
| 2022 | $370.00 Homeowner's exemption | $117,180 | $199,360 Land $12,000 Building $187,360 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 10 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 3 (2004–2024) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2024 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · lower than 73% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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