122 Hardrow St, Satsuma, FL 32189 Property Records

Putnam County property record for 122 Hardrow St, Satsuma, FL 32189

Property Summary

Property Type	Mobile Home
Details	1,368 sqft · built 1976
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (Apr 2018)
Tax Bill	$909 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-11-26-0000-001.0-005.0`

Property Details

APN / Parcel Number

Primary APN	`28-11-26-0000-001.0-005.0`
Alternative APN	`86541`

Interior

Building Area	1,368 sqft Living Area
1st Floor Area	1,368 sqft

Exterior

Year Built	Built 1976
Lot Area	44,431 sqft (1.02 acres)
Porch	Porch
Porch Area	522 sqft
Deck Area	120 sqft

Location & Zoning

Account Number	86541
Street Address	122 HARDROW ST
City	SATSUMA
State	FL
Zip	32189-3318
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	PT OF GOVT LOT 1 OR335 P827
Legal Range	26E
Legal Township	11S
Legal Section	28
Legal Subdivision	MAGNOLIA BLUFF ESTATES 1ST ADD
Legal Lot Number	1
Jurisdiction	PUTNAM FL
Township / Civil Division	CRESCENT CITY
Census Block Group	2
Census Block	2004
Census Tract	951300

Owner

122 Hardrow St, a mobile home, is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	122 HARDROW ST, SATSUMA, FL 32189-3318
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
Dec 17, 2025	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Nov 5, 2019	Correction Deed ATTORNEY ONLY
Apr 27, 2018	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2018 · Amount on File
Deed Sale	Apr 27, 2018 · Amount on File
Deed Document Number	201854007926
Deed Book / Page	1505 / 0522
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	122 HARDROW ST, SATSUMA, FL 32189-3318
Transaction Type	Mortgage
Record Updated	Jan 12, 2026
Title Company	SOURCEPOINT TITLE SVCS, SOURCEPOINT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 HARDROW ST, SATSUMA, FL 32189-3318

Mortgage

Document Number	0018470269
Date	Dec 17, 2025
Book Page	1847/269
Instrument	202554035063

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Oct 1, 2055

November 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	PUTNAM FL
Recording Date	Nov 5, 2019
Property Address	122 HARDROW ST, SATSUMA, FL 32189-3318
Document Number	0015591012
Book / Page	001559 / 001012
Instrument Date	Nov 5, 2019
Instrument	54019864
Record Updated	Nov 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 HARDROW ST SATSUMA FL 321893318, SATSUMA, FL 32189-3318

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Apr 27, 2018
Property Address	122 HARDROW ST, SATSUMA, FL 32189-3318
Document Number	0015050522
Book / Page	001505 / 000522
Instrument Date	Apr 25, 2018
Instrument	54007926
Transaction Type	Transfer
Record Updated	Jun 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$595.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	246 PHOCNETIA DR ST AUGUSTINE FL 32086, ST AUGUSTINE, FL 32086

Mortgage

Document Number	15050524
Date	Apr 27, 2018
Book Page	001505/000524
Instrument	54007927

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 122 Hardrow St was $909 with a senior citizen'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	$909.00 Senior Citizen's exemption	$80,620	$132,090 Land $43,800 Building $88,290
2023	$731.00 (-5.19%) Senior Citizen's exemption	$73,940 (+2.99%)	$128,200 (+36.02%) Land $43,800 Building $84,400
2022	$771.00 Senior Citizen's exemption	$71,790	$94,250 Land $23,270 Building $70,980

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

Flood

FEMA maps place 122 Hardrow St in Zone X, an area of minimal flood risk, though there have been 114 flood claims nearby since 2001.

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 File median of 88 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	150 units insured incl. 62 condo units
Nearby Flood Claims	114 (2001–2025)
Claims Outside the SFHA	1 of 114
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 12 claims Hurricane Irma, Oct 2017 · 46 claims Hurricane Frances, Sep 2004 · 20 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

Wildfire risk around 122 Hardrow St is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 76% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 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 (outdoors only) and 4G LTE

Nearby Properties on Hardrow St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures