2016 Prosper St, Palatka, FL 32177 Property Records

Putnam County property record for 2016 Prosper St, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,376 sqft · built 1971
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$84,900 (Jun 2018)
Tax Bill	$2,293 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-10-26-7430-001.0-003.0`

Property Details

APN / Parcel Number

Primary APN	`12-10-26-7430-001.0-003.0`
Alternative APN	`50500`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Building Area	1,376 sqft Living Area
1st Floor Area	1,100 sqft
Flooring	Steel Beam

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	135 ft deep x 75 ft wide
Porch	Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	50500
Street Address	2016 PROSPER ST
City	PALATKA
State	FL
Zip	32177-5540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPER STREET S/D MB5 P40, BL
Legal Range	26E
Legal Township	10S
Legal Section	12
Legal Subdivision	PROSPER STREET S/D
Legal Block	A
Legal Lot Number	3
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	1
Census Block	1005
Census Tract	950900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2016 POPER ST, PALATKA, FL 32177
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2020	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Dec 5, 2018	Deed of Trust, Mortgage · FHA Mortgage MLD MORTGAGE
Jun 26, 2018	Warranty Deed, Transfer · FHA Mortgage MLD MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2018 · Amount on Record
Deed Sale	Jun 26, 2018 · Amount on Record
Prior Sale	Nov 9, 2000 · Amount on Record
Deed Document Number	201854011813
Deed Book / Page	1510 / 1720
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	2016 PROSPER ST, PALATKA, FL 32177-5540
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2016 PROSPER ST, PALATKA, FL 32177-5540

Mortgage

Document Number	0015950124
Date	Oct 30, 2020
Book Page	1595/124
Instrument	202054019810

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Jul 1, 2048

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	2016 PROSPER ST, PALATKA, FL 32177-5540
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015270054
Date	Dec 5, 2018
Book Page	1527/0054
Instrument	201854022566

Lender

Name	MLD MORTGAGE
Type	Mortgage Company
Address	PONCE, PR 00732

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jul 1, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Jun 26, 2018
Property Address	2016 PROSPER ST, PALATKA, FL 32177-5540
Document Number	0015101720
Book / Page	1510 / 1720
Map Reference	MB5 PG40
Instrument Date	Jun 22, 2018
Instrument	201854011813
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	GULLETT TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2016 PROSPER ST, 2016, PALATKA, FL 32177-5540

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2403 STATE ST, PALATKA, FL 32177-5840

Mortgage

Document Number	201854011814
Date	Jun 26, 2018
Instrument	201854011814

Lender

Name	MLD MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Putnam County
Municipality	Palatka City
Unified School District	Putnam County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,293.00 (-8.79%) Homeowner's exemption	$141,340 (+5.98%)	$150,730 (+13.02%) Land $15,150 Building $135,580
2023	$2,514.00 (-7.57%) Homeowner's exemption	$133,360 (+15.79%)	$133,360 (+15.79%) Land $7,580 Building $125,780
2022	$2,720.00	$115,170	$115,170 Land $7,580 Building $107,590

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

Flood

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1991)
Most Recent Claim	Jun 1991 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	R.C. WILLIS WTP (CITY OF PALATKA) serves 11,900 people · EPA ID FL2544260
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	17 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes resolved · Oct 2024 Haloacetic acids resolved · Jan 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	21 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 383 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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