Putnam County property record for 129 Cleo Ln, Satsuma, FL 32189
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,239 sqft · built 1975 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,968 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 38-11-27-0000-002.0-124.0 |
| Primary APN | 38-11-27-0000-002.0-124.0 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Building Area | 2,239 sqft Living Area |
| 1st Floor Area | 2,224 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Siding |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 100 ft deep x 70 ft wide |
| Garage Area | 220 sqft |
| Porch | Porch |
| Porch Area | 285 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 87715 |
|---|---|
| Street Address | 129 CLEO LN |
| City | SATSUMA |
| State | FL |
| Zip | 32189-2204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF ACOSTA GRT OR307 P1694 |
| Legal Range | 27E |
| Legal Township | 11S |
| Legal Section | 38 |
| Legal Subdivision | ACOSTA CLARKE & ATKINSON GRANT |
| Legal Lot Number | 124 |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | EAST PALATKA |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 951100 |
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 | 129 CLEO LN, SATSUMA, FL 32189-2204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 25, 2017 | Deed of Trust, Mortgage · ARM SUNCOAST CU |
| Sep 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 129 CLEO LN, SATSUMA, FL 32189-2204 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0014630485 |
|---|---|
| Date | Jan 25, 2017 |
| Book Page | 1463/0485 |
| Instrument | 201754001353 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33610 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2020 |
| Change Frequency | 3 Years |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 4.25% |
| Index | 3-Year CMT |
| Max Rate | 7.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 129 CLEO LN, SATSUMA, FL 32189-2204 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 129 CLEO LN, SATSUMA, FL 32189-2204 |
| Document Number | 0015901404 |
|---|---|
| Date | Sep 24, 2020 |
| Book Page | 1590/1404 |
| Instrument | 202054016958 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2035 |
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 | $2,968.00 (+12.38%) Homeowner's exemption | $197,570 (+5.98%) | $390,760 (+3.47%) Land $100,490 Building $290,270 |
| 2023 | $2,641.00 (+5.64%) Homeowner's exemption | $186,420 (+3%) | $377,650 (+11.72%) Land $78,950 Building $298,700 |
| 2022 | $2,500.00 Homeowner's exemption | $180,990 | $338,020 Land $78,950 Building $259,070 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 28 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 20 (1994–2020) |
| Most Recent Claim | Aug 2020 · other causes |
| Claims by Event |
|
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 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 141 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 |
| Starlink Satellite | 280 / 30 |
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