129 River Rd, Satsuma, FL 32189 Property Records

Putnam County property record for 129 River Rd, Satsuma, FL 32189

Property Summary

Property Type	Single Family Home
Details	1,864 sqft · built 1998
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Feb 2021)
Tax Bill	$8,413 (2025)
Deeds & Mortgages	Feb 2026 Transfer Mar 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`39-11-26-8461-0060-0160`

Property Details

APN / Parcel Number

Primary APN	`39-11-26-8461-0060-0160`
Alternative APN	`61362`

Interior

Plumbing Fixtures	11 Plumbing Fixtures
Building Area	1,864 sqft Living Area
Gross Area	2,144 sqft
1st Floor Area	1,864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Stucco
Roof Type	Gable/Hip
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	140 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	280 sqft
Porch	Enclosed Porch
Porch Area	2,350 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	61362
Street Address	129 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 16, (MAP SHEET 21/39L)
Legal Range	26E
Legal Township	11S
Legal Section	39
Legal Subdivision	SARATOGA HARBOR ESTATES
Legal Block	6
Legal Lot Number	16
Jurisdiction	PUTNAM FL
Township / Civil Division	CRESCENT CITY
Census Block Group	3
Census Block	3065
Census Tract	951200

Owner

Source: Putnam County records, as of September 1, 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	129 RIVER RD, SATSUMA, FL 32189-3033
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Mar 13, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Feb 22, 2021	Warranty Deed, Transfer WATSON TITLE SERVICES/N FL INC, WATSON TTL SVCS OF NORTH FL
Sep 27, 2017	Deed of Trust, Mortgage · Commercial Mortgage CENTERSTATE BANK OF FLORIDA NA
Mar 9, 2020	Loan Modification, Mortgage · Conventional Mortgage CENTERSTONE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2021 · Amount on Record
Deed Sale	Feb 22, 2021 · Amount on Record
Prior Sale	Sep 21, 2016 · Amount on Record
Deed Document Number	20213931
Deed Book / Page	1608 / 1053
Last Transfer Date	Jan 16, 2026
Transfer Doc	0018560935
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PUTNAM FL
Recording Date	Feb 18, 2026
Property Address	129 RIVER RD, SATSUMA, FL 32189-3033
Document Number	0018560935
Book / Page	1856 / 935
Map Reference	MB 4 PG 161
Instrument Date	Feb 18, 2026
Instrument	202654004246
Transaction Type	Transfer
Record Updated	Mar 9, 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	129 RIVER RD, SATSUMA, FL 32189-3033

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	129 RIVER RD, SATSUMA, FL 32189-3033

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PUTNAM FL
Recording Date	Mar 13, 2023
Property Address	129 RIVER RD, SATSUMA, FL 32189-3033
Document Number	0017021304
Book / Page	1702 / 1304
Map Reference	MB 4 PG 161
Instrument Date	Mar 8, 2023
Instrument	202354005396
Transaction Type	Transfer
Record Updated	Jan 13, 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	36 COBBLESTONE BLVD SE, MOULTRIE, GA 31788-7713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 COBBLESTONE BLVD SE, MOULTRIE, GA 31788-7713

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Feb 22, 2021
Property Address	129 RIVER RD, SATSUMA, FL 32189-3033
Document Number	0016081053
Book / Page	1608 / 1053
Map Reference	MB 4 PG 161
Instrument Date	Feb 10, 2021
Instrument	202154003931
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	WATSON TITLE SERVICES/N FL INC, WATSON TTL SVCS OF NORTH FL

Transaction

Amount	Amount Recorded
Tax	$3,780.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	129 RIVER RD, 129, SATSUMA, FL 32189-3033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2809 5TH ST SE, MOULTRIE, GA 31768-6785

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	129 RIVER RD, SATSUMA, FL 32189-3033
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014851460
Date	Sep 27, 2017
Book Page	1485/1460
Instrument	201754016977

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank
Address	CRESCENT CITY, FL 32112

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 13, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PUTNAM FL
Property Address	129 RIVER RD, SATSUMA, FL 32189-3033
Document Number	0015741104
Instrument Date	Mar 9, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	129 RIVER RD SATSUMA FL 321893033, SATSUMA, FL 32189-3033

Mortgage

Document Number	0015741104
Date	Apr 15, 2020
Book Page	001574/001104
Instrument	54006625

Lender

Name	CENTERSTONE
Address	CRESCENT CITY, FL 32112

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 14, 2030

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	$8,413.00 (-5.31%) Homeowner's exemption	$520,010 (-2.51%) Land $131,840 Building $388,170	$520,010 (-2.51%) Land $131,840 Building $388,170
2023	$8,885.00 (+12.21%)	$533,410 (+11.92%)	$533,410 (+11.92%) Land $131,840 Building $401,570
2022	$7,918.00	$476,620	$476,620 Land $131,840 Building $344,780

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

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

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 40 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 River Rd

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