Putnam County property record for 182 W River Rd, Palatka, FL 32177
| Property Type | Single Family Home |
|---|---|
| Details | 3,115 sqft · built 2019 |
| Lot Size | 33.7 acres (1,471,892 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,600 (2025) |
| Deeds & Mortgages | Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-09-27-0000-002.0-002.2 |
| Primary APN | 18-09-27-0000-002.0-002.2 |
|---|---|
| Alternative APN |
|
| Building Area | 3,115 sqft Living Area |
|---|
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2020 |
| Lot Area | 1,471,892 sqft (33.7 acres) |
| Account Number | 99884 |
|---|---|
| Street Address | 182 W RIVER RD |
| City | PALATKA |
| State | FL |
| Zip | 32177-8607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF GOVT LOTS 4 + 5 OR1496 P |
| Legal Range | 27E |
| Legal Township | 09S |
| Legal Section | 18 |
| Legal Lot Number | 4 |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | PALATKA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 950100 |
182 W River Rd is owned and occupied by two individuals.
Source: Putnam County records, as of January 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 182 W RIVER RD, PALATKA, FL 32177-8607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 182 W RIVER RD, PALATKA, FL 32177-8607 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0015641316 |
|---|---|
| Date | Dec 31, 2019 |
| Book Page | 1564/1316 |
| Instrument | 201954023201 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
The 2025 property tax bill for 182 W River Rd was $5,600 with a homeowner'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 | $5,600.00 Homeowner's exemption | $353,470 | $758,760 Land $20,160 Building $738,600 |
| 2023 | $5,038.00 (+5.44%) Homeowner's exemption | $332,970 (+3.17%) | $760,670 (+29.4%) Land $19,060 Building $741,610 |
| 2022 | $4,778.00 Homeowner's exemption | $322,730 | $587,840 Land $14,390 Building $573,450 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 182 W River Rd in Zone X, an area of minimal flood risk, though there have been 12 flood claims 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 |
| Flood Insurance Cost | Premium on File median of 32 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 12 (2004–2017) |
| Claims Outside the SFHA | 4 of 12 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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 182 W River Rd 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.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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