Putnam County property record for 145 Central Ave, San Mateo, FL 32187
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,758 sqft · built 1840 |
| Lot Size | 3.59 acres (156,816 sqft) |
| Owner | Owner Name on File |
| Last Sale | $335,000 (Jan 2002) |
| Tax Bill | $3,407 (2025) |
| Deeds & Mortgages | May 2017 Mortgage May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-10-27-0000-021.0-000.0 |
| Primary APN | 48-10-27-0000-021.0-000.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Building Area | 3,758 sqft Living Area |
| 1st Floor Area | 2,977 sqft |
| 2nd Floor Area | 1,547 sqft |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 1840 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Siding |
| Lot Area | 156,816 sqft (3.59 acres) |
| Garage Area | 1,300 sqft |
| Porch | Porch |
| Porch Area | 2,214 sqft |
| Deck Area | 12 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 83894 |
|---|---|
| Street Address | 145 CENTRAL AVE |
| City | SAN MATEO |
| State | FL |
| Zip | 32187-2467 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF WIGGINS GRT BK93 P490 |
| Legal Range | 27E |
| Legal Township | 10S |
| Legal Section | 48 |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | EAST PALATKA |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 951100 |
The current owner of 145 Central Ave bought it in January 2002.
Source: Putnam County records, as of January 12, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 145 CENTRAL AVE, SAN MATEO, FL 32187-2467 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 19, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| May 19, 2017 | Deed of Trust, Mortgage · FHA Mortgage REVERSE MORTGAGES.COM |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 18, 2002 · Amount on File |
| Deed Sale | Jan 18, 2002 · Amount on File |
| Deed Document Number | 430153 |
| Deed Book / Page | 0881 / 1609 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 145 CENTRAL AVE, SAN MATEO, FL 32187-2467 |
| Document Number | 0014750021 |
| Instrument Date | May 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURANCE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 145 CENTRAL AVE SAN MATEO FL 321872467, SAN MATEO, FL 32187-2467 |
| Document Number | 0014750021 |
|---|---|
| Date | May 26, 2017 |
| Book Page | 001475/000021 |
| Instrument | 54009642 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 924 Months |
| Due | May 25, 2094 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.26% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 145 CENTRAL AVE, SAN MATEO, FL 32187-2467 |
| Document Number | 0014750004 |
| Instrument Date | May 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2017 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURANCE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 145 CENTRAL AVE SAN MATEO FL 321872467, SAN MATEO, FL 32187-2467 |
| Document Number | 0014750004 |
|---|---|
| Date | May 26, 2017 |
| Book Page | 001475/000004 |
| Instrument | 54009641 |
| Name | REVERSE MORTGAGES.COM |
|---|---|
| Address | COLUMBIA, MO 65203 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 924 Months |
| Due | May 25, 2094 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.26% |
The 2025 property tax bill for 145 Central Ave was $3,407 with a senior citizen's exemption.
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 | $3,407.00 Senior Citizen's exemption | $228,570 | $351,810 Land $64,800 Building $287,010 |
| 2023 | $3,594.00 (+5.3%) Senior Citizen's exemption | $253,330 (+6.31%) | $345,290 (+22.29%) Land $43,200 Building $302,090 |
| 2022 | $3,413.00 Senior Citizen's exemption | $238,300 | $282,350 Land $28,800 Building $253,550 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 145 Central Ave in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1994.
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 |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 145 Central Ave is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · lower than 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | EAST PUTNAM REGIONAL serves 1,500 people · EPA ID FL2544444 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 1 ppb (2024) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Total trihalomethanes resolved · Apr 2022 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 23 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.
Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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