131 Ginnala Ln, Palatka, FL 32177 Property Records

Putnam County property record for 131 Ginnala Ln, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	2,341 sqft · built 2006
Lot Size	1.73 acres (75,359 sqft)
Owner	Individual Name on File
Last Sale	$232,000 (Dec 2006)
Tax Bill	$2,113 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-09-26-0000-002.0-003.7`

Property Details

APN / Parcel Number

Primary APN	`18-09-26-0000-002.0-003.7`
Alternative APN	`96852`

Interior

Plumbing Fixtures	12 Plumbing Fixtures
Building Area	2,341 sqft Living Area
1st Floor Area	1,901 sqft
Flooring	Steel Beam
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Exterior Material	Siding
Lot Area	75,359 sqft (1.73 acres)
Garage Area	415 sqft
Porch	Porch
Porch Area	768 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	96852
Street Address	131 GINNALA LN
City	PALATKA
State	FL
Zip	32177-1207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF NE1/4 OF SE1/4 OR1089, P
Legal Range	26E
Legal Township	09S
Legal Section	18
Legal Lot Number	8
Jurisdiction	PUTNAM FL
Township / Civil Division	INTERLACHEN-FLORAHOME
Census Block Group	1
Census Block	1000
Census Tract	950202

Owner

131 Ginnala Ln is owned and occupied by an individual who bought it in December 2006.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	131 GINNALA LN, PALATKA, FL 32177-1207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Dec 3, 2018	Loan Modification, Mortgage · Conventional with PMI STANWICH MTG LOAN TRUST D (CT)
Dec 3, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2006 · Amount on File
Deed Sale	Dec 1, 2006 · Amount on File
Deed Document Number	604257
Deed Book / Page	1127 / 0251
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	131 GINNALA LN, PALATKA, FL 32177-1207
Transaction Type	Mortgage
Record Updated	Jun 30, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 GINNALA LN, PALATKA, FL 32177-1207

Mortgage

Document Number	0016220128
Date	Jun 2, 2021
Book Page	1622/128
Instrument	202154012308

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	330 Months
Due	Dec 1, 2048

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PUTNAM FL
Property Address	131 GINNALA LN, PALATKA, FL 32177-1207
Document Number	0015300665
Instrument Date	Dec 3, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	131 GINNALA LN PALATKA FL 321771207, PALATKA, FL 32177-1207

Mortgage

Document Number	0015300665
Date	Jan 8, 2019
Book Page	001530/000665
Instrument	54000377

Lender

Name	STANWICH MTG LOAN TRUST D (CT)
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2049

Interest

Rate	4.87%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	131 GINNALA LN, PALATKA, FL 32177-1207
Document Number	0015300659
Instrument Date	Dec 3, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	131 GINNALA LN PALATKA FL 321771207, PALATKA, FL 32177-1207

Mortgage

Document Number	0015300659
Date	Jan 8, 2019
Book Page	001530/000659
Instrument	54000376

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 131 Ginnala Ln was $2,113 with a homeowner'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	$2,113.00 Homeowner's exemption	$146,960	$279,500 Land $14,710 Building $264,790
2023	$1,860.00 (+5.98%) Homeowner's exemption	$138,660 (+2.99%)	$292,490 (+18.01%) Land $19,030 Building $273,460
2022	$1,755.00 Homeowner's exemption	$134,630	$247,860 Land $13,840 Building $234,020

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

Flood

FEMA maps place 131 Ginnala Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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

Wildfire risk around 131 Ginnala Ln is moderate, ranking above 69% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 50% 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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