Putnam County property record for 189 Central Ave, San Mateo, FL 32187
| Property Type | Single Family Home |
|---|---|
| Details | 1,952 sqft · built 1956 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,117 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-10-27-5970-000.0-008.0 |
| Primary APN | 28-10-27-5970-000.0-008.0 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 10 Plumbing Fixtures |
|---|---|
| Building Area | 1,952 sqft Living Area |
| 1st Floor Area | 2,455 sqft |
| Flooring | Steel Beam |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Concrete Block |
| Lot Area | 26,136 sqft (0.6 acres) |
| Lot Dimensions | 300 ft deep x 100 ft wide |
| Garage Area | 336 sqft |
| Porch | Porch |
| Porch Area | 1,764 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 40645 |
|---|---|
| Street Address | 189 CENTRAL AVE |
| City | SAN MATEO |
| State | FL |
| Zip | 32187-2411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MODEL LAND CO MB1 P147, LOT 8 |
| Legal Range | 27E |
| Legal Township | 10S |
| Legal Section | 28 |
| Legal Subdivision | MODEL LAND CO |
| Legal Lot Number | 8 |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | EAST PALATKA |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 951100 |
189 Central Ave 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 | PO BOX 644, SAN MATEO, FL 32187-0644 |
| 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 |
The 2025 property tax bill for 189 Central Ave was $1,117 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 | $1,117.00 Homeowner's exemption | $87,990 | $232,820 Land $13,750 Building $219,070 |
| 2023 | $950.00 (+7.1%) Homeowner's exemption | $83,020 (+2.99%) | $240,470 (+20.42%) Land $13,750 Building $226,720 |
| 2022 | $887.00 Homeowner's exemption | $80,610 | $199,690 Land $13,750 Building $185,940 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 189 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 189 Central Ave is moderate, ranking above 55% 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 55% of the US · lower than 73% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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