125 Key Rd, Palatka, FL 32177 Property Records

Putnam County property record for 125 Key Rd, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,509 sqft · built 1955
Lot Size	31.8 acres (1,386,515 sqft)
Owner	2 Individual Names on Record
Last Sale	$50,000 (Sep 2026)
Tax Bill	$5,159 (2025)
Deeds & Mortgages	Sep 2026 Sale Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-09-26-0000-0400-0000`

Property Details

APN / Parcel Number

Primary APN	`17-09-26-0000-0400-0000`
Alternative APN	`72930`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Building Area	2,509 sqft Living Area
Gross Area	2,909 sqft
1st Floor Area	2,509 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Lot Area	1,386,515 sqft (31.8 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Slab
Porch Area	296 sqft
Deck Area	229 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	72930
Street Address	125 KEY RD
City	PALATKA
State	FL
Zip	32177-8230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 17-09-26 W1/2 OF SW1/4 OF SW1/4 BK179 P127 BK207 P318 BK219 P598 BK225 P377 (EX OR45 P385) S1/2 OF NE1/4 OF SW1/4 OF SW1/4 BK225 P377 (EX OR204 P131 OR206 P483 OR313 P941) (SUB TO ESMTS OR898 P1980 OR936 P121) (EX OR1190 P728 ROW) AND SEC 18-09-2
Legal Range	26E
Legal Township	09S
Legal Section	17
Jurisdiction	PUTNAM FL
Township / Civil Division	INTERLACHEN-FLORAHOME
Census Block Group	1
Census Block	1000
Census Tract	950202

Owner

Source: Putnam County records, as of October 13, 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
Mailing Address	205 PALMETTO BLUFF RD, PALATKA, FL 32177-8150
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jun 30, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Apr 9, 2020	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2026 · Amount on Record
Deed Sale	Sep 3, 2026 · Amount on Record
Prior Sale	Apr 9, 2020 · Amount on Record
Deed Document Number	202621920
Deed Book / Page	1886 / 1162
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM FL
Recording Date	Sep 3, 2026
Property Address	125 KEY RD, PALATKA, FL 32177-8230
Document Number	0000021920
Book / Page	1886 / 1162
Instrument Date	Sep 3, 2026
Instrument	202621920
Transaction Type	Transfer
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$35,350.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 PALMETTO BLUFF RD, PALATKA, FL 32177-8150

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	125 KEY RD, PALATKA, FL 32177-8230
Transaction Type	Mortgage
Record Updated	Jan 13, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016251146
Date	Jun 30, 2021
Book Page	1625/1146
Instrument	202154014564

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Apr 9, 2020
Property Address	125 KEY RD, PALATKA, FL 32177-8230
Document Number	0015740063
Book / Page	001574 / 000063
Instrument Date	Apr 3, 2020
Instrument	54006294
Transaction Type	Transfer
Record Updated	Jun 22, 2020
Title Company	GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO/PALATKA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 KEY RD PALATKA FL 321778230, PALATKA, FL 32177-8230

Mortgage

Document Number	15740067
Date	Apr 9, 2020
Book Page	001574/000067
Instrument	54006295

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2050

Tax Assessment & Valuation

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	$5,159.00 (+11.09%)	$327,360 (+5.98%)	$533,596 (+0.63%) Land $247,870 Building $285,726
2023	$4,644.00 (+5.28%) Homeowner's exemption	$308,880 (+3%)	$530,266 (+31.89%) Land $233,310 Building $296,956
2022	$4,411.00 Homeowner's exemption	$299,890	$402,056 Land $146,010 Building $256,046

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

Flood

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	9 in force
Nearby Flood Claims	1 (2004)
Most Recent Claim	Sep 2004 · Hurricane Frances

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

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

Wildfire Risk	Moderate above 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.2% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL · Fixed Wireless in parts of the area	25 / 5

May also be available: Verizon.

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