121 River Rd, Satsuma, FL 32189 Property Records

Putnam County property record for 121 River Rd, Satsuma, FL 32189

Property Summary

Property Type	Single Family Home
Details	1,905 sqft · built 1990
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Company Names on File
Last Sale	$550,000 (Mar 2005)
Tax Bill	$6,225 (2025)
Deeds & Mortgages	Jan 2026 Transfer Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`39-11-26-8461-0060-0200`

Property Details

APN / Parcel Number

Primary APN	`39-11-26-8461-0060-0200`
Alternative APN	`61366`

Interior

Plumbing Fixtures	12 Plumbing Fixtures
Building Area	1,905 sqft Living Area
Gross Area	2,633 sqft
1st Floor Area	1,905 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Exterior Material	Stucco
Roof Type	Gable/Hip
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	128 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	728 sqft
Porch	Finished/Open Porch
Porch Area	827 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	61366
Street Address	121 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 20, (MAP SHEET 21/39L)
Legal Range	26E
Legal Township	11S
Legal Section	39
Legal Subdivision	SARATOGA HARBOR ESTATES
Legal Block	6
Legal Lot Number	20
Jurisdiction	PUTNAM FL
Township / Civil Division	CRESCENT CITY
Census Block Group	3
Census Block	3065
Census Tract	951200

Owner

121 River Rd is owned by a company that acquired it in December 2025 and is owner-occupied.

Source: Putnam County records, as of February 25, 2026

Owner of Record	2 Company Names on File
Mailing Address	121 RIVER RD, SATSUMA, FL 32189-3033
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

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
Jan 28, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 26, 2019	Deed of Trust, Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2005 · Amount on File
Deed Sale	Mar 7, 2005 · Amount on File
Prior Sale	Jun 1, 2000 · Amount on File
Deed Document Number	2005526830
Deed Book / Page	1021 / 822
Last Transfer Date	Dec 31, 2025
Transfer Doc	0018521443
Record Updated	Jun 8, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PUTNAM FL
Recording Date	Jan 28, 2026
Property Address	121 RIVER RD, SATSUMA, FL 32189-3033
Document Number	0018521443
Book / Page	1852 / 1443
Map Reference	MB 4 PG 161
Instrument Date	Dec 31, 2025
Instrument	202654002253
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	121 RIVER RD, SATSUMA, FL 32189-3033

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	121 RIVER RD, SATSUMA, FL 32189-3033

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	121 RIVER RD, SATSUMA, FL 32189-3033
Document Number	0015640813
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Jan 17, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6600 PLEASANT AVE #124 MINNEAPOLIS MN 554232305, 124, MINNEAPOLIS, MN 55423-2305

Mortgage

Document Number	0015640813
Date	Dec 27, 2019
Book Page	001564/000813
Instrument	54023054

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 26, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 121 River Rd was $6,225 with exemptions applied.

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	$6,225.00 Homeowner's exemption Senior Citizen's exemption Veteran's exemption	$447,330 Land $160,000 Building $287,330	$447,330 Land $160,000 Building $287,330
2023	$7,384.00 (+11.22%)	$457,540 (+8.43%)	$457,540 (+8.43%) Land $160,000 Building $297,540
2022	$6,639.00	$421,950	$421,950 Land $160,000 Building $261,950

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

Flood

FEMA maps place 121 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 121 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)

Nearby Properties on River Rd

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