178 Ranchette Cir, Florahome, FL 32140 Property Records

Putnam County property record for 178 Ranchette Cir, Florahome, FL 32140

Property Summary

Property Type	Residential Vacant Land
Lot Size	3.9 acres (169,884 sqft)
Owner	Company Name on Record
Last Sale	$425,000 (Jul 2022)
Tax Bill	$765 (2023)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-08-24-0534-000.0-034.0`

Property Details

APN / Parcel Number

Primary APN	`15-08-24-0534-000.0-034.0`
Alternative APN	`1790`

Exterior

Lot Area	169,884 sqft (3.9 acres)

Location & Zoning

Account Number	1790
Street Address	178 RANCHETTE CIR
City	FLORAHOME
State	FL
Zip	32140-1116
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	BELLAMY RANCHETTES MB6 P53, (C
Legal Range	24E
Legal Township	08S
Legal Section	15
Legal Subdivision	BELLAMY RANCHETTES
Legal Lot Number	34
Jurisdiction	PUTNAM FL
Township / Civil Division	INTERLACHEN-FLORAHOME
Census Block Group	2
Census Block	2049
Census Tract	950202

Owner

Source: Putnam County records, as of April 10, 2024

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	Company Name on Record
Mailing Address	8050 MUKILTEO SPEEDWAY UNIT 485, 485, MUKILTEO, WA 98275-7021
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2020	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Nov 9, 2018	Warranty Deed, Transfer · FHA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2022 · Amount on Record
Deed Sale	Jul 1, 2022 · Amount on Record
Prior Sale	Dec 27, 2012 · Amount on Record
Deed Document Number	0001678854
Deed Book / Page	1524 / 1573
Prior Transfer Date	Nov 9, 2018
Prior Transfer Doc	201854020987
Record Updated	Jun 7, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Jun 25, 2020
Property Address	178 RANCHETTE CIR, FLORAHOME, FL 32140-1116
Document Number	0015801587
Book / Page	001580 / 001587
Instrument Date	Jun 24, 2020
Instrument	54010784
Transaction Type	Transfer
Record Updated	Jul 29, 2020
Title Company	LAKE AREA TITLE SERVICES INC, LAKE AREA TITLE SVCS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1143 CALLA GLEN LN GREEN COVE SPRINGS FL 320437219, GREEN COVE SPRINGS, FL 32043-7219

Mortgage

Document Number	15801589
Date	Jun 25, 2020
Book Page	001580/001589
Instrument	54010785

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Nov 9, 2018
Property Address	178 RANCHETTE CIR, FLORAHOME, FL 32140-1116
Document Number	0015241573
Book / Page	001524 / 001573
Instrument Date	Oct 10, 2018
Instrument	54020987
Transaction Type	Transfer
Record Updated	Dec 5, 2018
Title Company	WATSON TITLE SERVICES/N FL INC, WATSON TITLE SVCS/N FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 RANCHETTE CIR FLORAHOME FL 321401116, FLORAHOME, FL 32140-1116

Mortgage

Document Number	15241575
Date	Nov 9, 2018
Book Page	001524/001575
Instrument	54020988

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2048

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of July 1, 2023

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
2023	$765.00 (+92.7%)	$46,800 (+5%)	$46,800 (+5%) Land $46,800
2022	$397.00	$31,200	$31,200 Land $31,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record median of 35 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	3 (2016–2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims

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

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

Wildfire Risk	High above 75% of the US · above 61% of Florida
Wildfire Likelihood	0.3% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 20

May also be available: Xfinity.

Cell Coverage

4G LTE only, no 5G reported

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