117 River Rd, Satsuma, FL 32189 Property Records

Putnam County property record for 117 River Rd, Satsuma, FL 32189

Property Summary

Property Type	Single Family Home
Details	1,980 sqft · built 1989
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$393,000 (Oct 2020)
Tax Bill	$6,240 (2025)
Deeds & Mortgages	Oct 2020 Sale Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`39-11-26-8461-0060-0220`

Property Details

APN / Parcel Number

Primary APN	`39-11-26-8461-0060-0220`
Alternative APN	`61368`

Interior

Plumbing Fixtures	12 Plumbing Fixtures
Building Area	1,980 sqft Living Area
Gross Area	1,452 sqft
1st Floor Area	990 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Stucco
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	135 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	462 sqft
Porch	Unfinished Open Porch
Porch Area	1,075 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	61368
Street Address	117 RIVER RD
City	SATSUMA
State	FL
Zip	32189-3033
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SARATOGA HARBOR ESTS MB4 P161, BLK F LOT 22, (MAP SHEET 21/39L)
Legal Range	26E
Legal Township	11S
Legal Section	39
Legal Subdivision	SARATOGA HARBOR ESTATES
Legal Block	6
Legal Lot Number	22
Jurisdiction	PUTNAM FL
Township / Civil Division	CRESCENT CITY
Census Block Group	3
Census Block	3065
Census Tract	951200

Owner

117 River Rd is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	117 RIVER RD, SATSUMA, FL 32189-3033
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
Oct 21, 2020	Warranty Deed, Transfer GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO/PALATKA
Jan 16, 2019	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2020 · Amount on File
Deed Sale	Oct 21, 2020 · Amount on File
Prior Sale	Jan 16, 2019 · Amount on File
Deed Document Number	202018993
Deed Book / Page	1593 / 1847
Prior Transfer Date	Sep 10, 2009
Prior Transfer Doc	0012380223
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Oct 21, 2020
Property Address	117 RIVER RD, SATSUMA, FL 32189-3033
Document Number	0015931847
Book / Page	001593 / 001847
Instrument Date	Oct 20, 2020
Instrument	54018993
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO/PALATKA

Transaction

Amount	Amount on Record
Tax	$2,751.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 RIVER RD SATSUMA FL 321893033, SATSUMA, FL 32189-3033

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Jan 16, 2019
Property Address	117 RIVER RD, SATSUMA, FL 32189-3033
Document Number	0015310174
Book / Page	1531 / 0174
Map Reference	MB 4 PG 161
Instrument Date	Dec 28, 2018
Instrument	201954000938
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	GUARANTY TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 RIVER RD, 117, SATSUMA, FL 32189-3033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 RIVER RD, SATSUMA, FL 32189-3033

Mortgage

Document Number	201954000939
Date	Jan 16, 2019
Instrument	201954000939

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 117 River Rd was $6,240 with a homeowner's exemption.

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	$6,240.00 Homeowner's exemption	$391,360	$453,530 Land $161,600 Building $291,930
2023	$5,631.00 (+5.19%) Homeowner's exemption	$369,260 (+3%)	$465,620 (+6.1%) Land $161,600 Building $304,020
2022	$5,353.00 Homeowner's exemption	$358,510	$438,870 Land $161,600 Building $277,270

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

Flood

FEMA maps place 117 River Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective February 2, 2012

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 117 River Rd is low, with a 0.05% 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	0.05% annual chance
Exposure	None beyond ember reach

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	SARATOGA HARBOR public/private · serves 111 people · EPA ID FL2541008
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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