Putnam County property record for 188 W River Rd, Palatka, FL 32177
| Property Type | Single Family Home |
|---|---|
| Details | 2,934 sqft · built 2018 |
| Lot Size | 33.8 acres (1,475,813 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $100 (May 2017) |
| Tax Bill | $4,300 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-09-27-0000-0020-0020 |
| Primary APN | 18-09-27-0000-0020-0020 |
|---|---|
| Alternative APN |
|
| Building Area | 2,934 sqft Living Area |
|---|
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2019 |
| Lot Area | 1,475,813 sqft (33.8 acres) |
| Account Number | 99793 |
|---|---|
| Street Address | 188 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 3 4 5 + 6 (OR1474 P1960) (PARCEL 3) (SUB TO CLAY ELEC ESMT OR1482 P1001 + OR1712 P91) |
| Legal Range | 27E |
| Legal Township | 09S |
| Legal Section | 18 |
| Legal Lot Number | 3-5 |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | PALATKA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 950100 |
Source: Putnam County records, as of October 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 188 W RIVER RD, PALATKA, FL 32177-8607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2026 | Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION |
| May 16, 2018 | Deed of Trust, Mortgage VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2017 · Amount on Record |
| Deed Sale | May 1, 2017 · Amount on Record |
| Deed Book / Page | 1474 / 1960 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Recording Date | Sep 28, 2026 |
| Property Address | 188 W RIVER RD, PALATKA, FL 32177-8607 |
| Document Number | 0000023685 |
| Book / Page | 1889 / 968 |
| Instrument Date | Sep 21, 2026 |
| Instrument | 202623685 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 188 W RIVER RD, PALATKA, FL 32177-8607 |
| Document Number | 0000023685, |
|---|---|
| Date | Sep 28, 2026 |
| Book Page | 1889/968 |
| Instrument | 202623685 |
| Name | UNION CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 188 W RIVER RD, PALATKA, FL 32177-8607 |
| Document Number | 0015071483 |
| Instrument Date | May 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2019 |
| Title Company | VYSTAR TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 188 W RIVER RD PALATKA FL 32177, PALATKA, FL 32177 |
| Document Number | 0015071483 |
|---|---|
| Date | May 23, 2018 |
| Book Page | 001507/001483 |
| Instrument | 54009642 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 22, 2048 |
Source: Putnam County assessment roll, as of December 10, 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 | $4,300.00 (+11.72%) Homeowner's exemption | $276,450 (+6.21%) | $694,950 (-1.62%) Land $271,040 Building $423,910 |
| 2023 | $3,849.00 (+5.63%) Homeowner's exemption | $260,290 (+3.22%) | $706,420 (+64.06%) Land $16,840 Building $689,580 |
| 2022 | $3,644.00 Homeowner's exemption | $252,170 | $430,580 Land $13,040 Building $417,540 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · lower than 62% 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 1 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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