131 Bumpy Ln, Palatka, FL 32177 Property Records

Putnam County property record for 131 Bumpy Ln, Palatka, FL 32177 · Last verified January 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 1977
Square Footage	2,986 sqft Living Area
Lot Size	145,926 sqft (3.34 acres)
Occupancy	Owner Occupied
Last Sale	$170,000 (2021)
Tax Bill	$4,371.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`04-11-26-0000-007.0-009.0`
Alternative APN	`85840`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Building Area	2,986 sqft Living Area
1st Floor	2,538 sqft 1st Floor
Primary Flooring	Steel Beam Flooring
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Exterior Material	Brick Exterior
Lot Area	145,926 sqft (3.34 acres)
Garage Area	728 sqft Garage
Porch	1 Porch
Porch Area	136 sqft Porch

Utilities and HVAC

Heating System	Heat Pump Heating

Location & Zoning

Account Number	85840
Street Address	131 BUMPY LN
City	PALATKA
State	FL
Zip	32177-7843
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	PT OF W1/2 OF GOVT LOT 4, OR34
Legal Range	26E
Legal Township	11S
Legal Section	04
Legal Lot Number	4
Jurisdiction	PUTNAM FL
Minor Civil Division	INTERLACHEN-FLORAHOME
Census Blockgroup	1
Census Block	1032
Census Tract	950500

Owner

Source: Putnam County records · APN 04-11-26-0000-007.0-009.0

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	131 BUMPY LN, PALATKA, FL 32177-7843
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 02, 2021 · Amount on Record
Deed Sale	Mar 02, 2021 · Amount on Record
Deed Doc Number	202154004547
Deed Book / Page	1609 / 1114
Record Refreshed	Jun 08, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Mar 02, 2021
Property Address	131 BUMPY LN, PALATKA, FL 32177-7843
Document Number	0016091114
Book / Page	1609 / 1114
Instrument Date	Mar 01, 2021
Instrument	202154004547
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	GULLETT TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	146 CONVEX LN, 146, SAINT AUGUSTINE, FL 32095-7503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 BUMPY LN, PALATKA, FL 32177-7843

Mortgage

Document Number	16091117
Date	Mar 02, 2021
Instrument	1609/1117

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

Tax Assessment & Valuation

Source: Putnam County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Putnam County
Unified School District	Putnam County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,371.00 (+14.01%) Homeowner's exemption	$275,870 (+8.43%)	$325,013 (+9.9%) Land $53,600 Building $271,413
2023	$3,834.00 (+5.27%) Homeowner's exemption	$254,420 (+3%)	$295,743 (+19.73%) Land $40,200 Building $255,543
2022	$3,642.00 Homeowner's exemption	$247,013	$247,013 Land $26,800 Building $220,213

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Putnam County (12107C), updated February 2, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Moderate above 47% of the US · above 17% of Florida
Wildfire Likelihood	About 1 in 1,087 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.