190 E Peniel Rd, Palatka, FL 32177 Property Records

Putnam County property record for 190 E Peniel Rd, Palatka, FL 32177

Property Summary

Property Type	Clubs, Lodges, Professional Associations
Details	4,912 sqft · built 1979
Lot Size	1.14 acres (49,658 sqft)
Owner	Individual Name on File
Flood Zone	Zone X (minimal risk)
APN	`21-10-26-0000-088.0-000.0`

Property Details

APN / Parcel Number

Primary APN	`21-10-26-0000-088.0-000.0`
Alternative APN	`80974`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Building Area	4,912 sqft Total Area
1st Floor Area	2,400 sqft
2nd Floor Area	2,400 sqft
Flooring	Steel Beam

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1985
Exterior Material	Concrete Block
Construction Type	Wood Frame
Lot Area	49,658 sqft (1.14 acres)
Porch	Porch
Porch Area	400 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	80974
Street Address	190 E PENIEL RD
City	PALATKA
State	FL
Zip	32177-7911
Property Category	Commercial
Property Type	Commercial > Retail > Clubs, Lodges, Professional Associations
Legal Description	PT OF SE1/4 BK45 P661 + PT OF
Legal Range	26E
Legal Township	10S
Legal Section	21
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	1
Census Block	1006
Census Tract	950600

Owner

190 E Peniel Rd, a commercial property, is owned and occupied by an individual.

Source: Putnam County records, as of January 12, 2026

Owner of Record	Individual Name on File
Mailing Address	330 E STATE ROAD 100, SAN MATEO, FL 32187-2361
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of July 1, 2025

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
2025	Homeowner's exemption	$259,120	$259,120 Land $14,400 Building $244,720
2023	Homeowner's exemption	$247,220	$247,220 Land $14,400 Building $232,820

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 190 E Peniel Rd in Zone X, an area of minimal flood risk, though there have been 3 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 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	3 (2004–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2024 · river or lake flooding

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

Wildfire risk around 190 E Peniel Rd is moderate, ranking above 48% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.08% 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20