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190 Motes Rd, Palatka, FL 32177 Property Records

Putnam County property record for 190 Motes Rd, Palatka, FL 32177

Property Summary

Property TypeSingle Family Home
Details2,853 sqft · built 2004
Lot Size3.53 acres (153,767 sqft)
OwnerTrust Name on File
Last Sale$100 (Aug 2022)
Tax Bill$1,467 (2025)
Deeds & MortgagesAug 2022 Reverse Mortgage
Jun 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN08-10-26-0000-0230-0010

Property Details

APN / Parcel Number

Primary APN08-10-26-0000-0230-0010
Alternative APN
  • 92069

Interior

Building Area2,853 sqft Living Area

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Lot Area153,767 sqft (3.53 acres)

Location & Zoning

Account Number92069
Street Address190 MOTES RD
CityPALATKA
StateFL
Zip32177-8489
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionW 470FT OF S1/2 OF NE1/4 OF, SW1/4 + W 470FT OF SE1/4 OF, SW1/4 N OF RR OR739 P1865, (EX OR914 P387) (SUBJECT TO, SEMINOLE RW ESMT OR404 P1924)
Legal Range26E
Legal Township10S
Legal Section08
JurisdictionPUTNAM FL
Township / Civil DivisionINTERLACHEN-FLORAHOME
Census Block Group1
Census Block1021
Census Tract950202

Owner

190 Motes Rd is owner-occupied and held in a trust since August 2022.

Source: Putnam County records, as of October 21, 2026

Owner of RecordTrust Name on File
Mailing Address190 MOTES RD, PALATKA, FL 32177-8489
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

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

DateDocument
Aug 16, 2022Intrafamily Transfer, Transfer · Reverse Mortgage
AMERICAN ADVISORS GROUP
Jun 8, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNION MORTGAGE CORP
Jul 30, 2019Warranty Deed, Transfer · Conventional Mortgage
UNION HOME MORTGAGE CORP
Mar 1, 2018Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 16, 2022 · Amount on File
Deed SaleAug 16, 2022 · Amount on File
Prior SaleJul 30, 2019 · Amount on File
Deed Document Number202220274
Deed Book / Page1680 / 1670
Prior Transfer DateNov 8, 2000
Prior Transfer Doc0000400086
Record UpdatedOct 29, 2026

August 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPUTNAM FL
Recording DateAug 16, 2022
Property Address190 MOTES RD, PALATKA, FL 32177-8489
Document Number0016801670
Book / Page1680 / 1670
Map ReferenceMB 839 PG 1338
Instrument DateAug 1, 2022
Instrument202254020274
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyGUARANTY TITLE CO OF PALATKA

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address190 MOTES RD, PALATKA, FL 32177-8489

Mortgage

Document Number0016801675
DateAug 16, 2022
Instrument1680/1675
Lender
NameAMERICAN ADVISORS GROUP
TypeMortgage Company
Agreement
TypeReverse Mortgage
AmountAmount on Record
Term708 Months
DueAug 14, 2081
Interest
Rate TypeAdjustable Rate
Rate5.73%
Type Change DateSep 1, 2022
Change FrequencyAnnually
Index1-Year CMT

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPUTNAM FL
Property Address190 MOTES RD, PALATKA, FL 32177-8489
Transaction TypeMortgage
Record UpdatedMay 2, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0015781481
DateJun 8, 2020
Book Page1578/1481
Instrument202054009362
Lender
NameUNION MORTGAGE CORP
TypeMortgage Company
AddressSTRONGSVILLE, OH 44136
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2050

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPUTNAM FL
Recording DateJul 30, 2019
Property Address190 MOTES RD, PALATKA, FL 32177-8489
Document Number0015491783
Book / Page1549 / 1783
Instrument DateJul 29, 2019
Instrument201954013582
Transaction TypeTransfer
Record UpdatedMay 2, 2022
Title CompanyGUARANTY TITLE COMPANY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,555.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address362 N GILBERT ST, 362, FOOTVILLE, WI 53537-8120

Transferred To (Grantee/Buyer)

NameVerified Name
Address190 MOTES RD, PALATKA, FL 32177-8489

Mortgage

Document Number0015491786
DateJul 30, 2019
Instrument1549/1786
Lender
NameUNION HOME MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2049

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPUTNAM FL
Recording DateMar 1, 2018
Property Address190 MOTES RD, PALATKA, FL 32177-8489
Document Number0014991316
Book / Page001499 / 001316
Instrument DateFeb 22, 2018
Instrument54003970
Transaction TypeTransfer
Record UpdatedJan 10, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$2,380.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
AddressN793 TWIN GROVE RD MONROE WI 535669477, MONROE, WI 53566-9477

Tax Assessment & Valuation

The 2025 property tax bill for 190 Motes Rd was $1,467 with a homeowner's exemption.

Source: Putnam County assessment roll, as of December 10, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyPutnam County
Unified School DistrictPutnam County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,467.00 Homeowner's exemption$108,680$499,340 Land $56,480 Building $442,860
2023$1,270.00 (+6.54%) Homeowner's exemption$102,550 (+2.99%)$514,080 (+14.95%) Land $52,950 Building $461,130
2022$1,192.00 Homeowner's exemption$99,570$447,220 Land $52,950 Building $394,270

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

Flood

FEMA maps place 190 Motes Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies9 in force
Nearby Flood Claims1 (2004)
Most Recent ClaimSep 2004 · Hurricane Frances

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 Motes Rd is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire RiskHigh
above 70% of the US · above 51% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 19 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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