231 W River Rd, Palatka, FL 32177 Property Records

Putnam County property record for 231 W River Rd, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	3,346 sqft · built 2006
Lot Size	2.75 acres (119,790 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Sep 2018)
Tax Bill	$624 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Sep 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-09-27-0700-0000-0601`

Property Details

APN / Parcel Number

Primary APN	`18-09-27-0700-0000-0601`
Alternative APN	`2150`

Interior

Plumbing Fixtures	10 Plumbing Fixtures
Building Area	3,346 sqft Living Area
Gross Area	2,668 sqft
1st Floor Area	2,116 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete
Roof Type	Gable/Hip
Lot Area	119,790 sqft (2.75 acres)
Lot Dimensions	600 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	552 sqft
Porch	Patio
Porch Area	1,006 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	2150
Street Address	231 W RIVER RD
City	PALATKA
State	FL
Zip	32177-8612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BODINE + POWERS S/D MB4 P7, LOT 60 (EX OR77 P630)+ LOT 61
Legal Range	27E
Legal Township	09S
Legal Section	18
Legal Subdivision	BODINE & POWERS SUB
Legal Lot Number	60.1
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	2
Census Block	2023
Census Tract	950100

Owner

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

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 File
Mailing Address	231 W RIVER RD, PALATKA, FL 32177-8612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2023	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 6, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Mar 23, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 6, 2018 · Amount on Record
Deed Sale	Sep 6, 2018 · Amount on Record
Deed Document Number	201816648
Deed Book / Page	1518 / 620
Prior Transfer Date	Mar 8, 2017
Prior Transfer Doc	0014681723
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	231 W RIVER RD, PALATKA, FL 32177-8612
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 W RIVER RD, PALATKA, FL 32177-8612

Mortgage

Document Number	0017220875
Date	Aug 23, 2023
Book Page	1722/875
Instrument	202354018774

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Sep 6, 2018
Property Address	231 W RIVER RD, PALATKA, FL 32177-8612
Document Number	0015180620
Book / Page	001518 / 000620
Instrument Date	Aug 28, 2018
Instrument	54016648
Transaction Type	Transfer
Record Updated	Sep 28, 2018
Title Company	GUARANTY TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	231 W RIVER RD PALATKA FL 321778612, PALATKA, FL 32177-8612

Mortgage

Document Number	15180622
Date	Sep 6, 2018
Book Page	001518/000622
Instrument	54016649

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2048

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PUTNAM FL
Recording Date	Mar 23, 2017
Property Address	231 W RIVER RD, PALATKA, FL 32177-8612
Document Number	0014681723
Book / Page	001468 / 001723
Instrument Date	Mar 8, 2017
Instrument	54005190
Transaction Type	Transfer
Record Updated	May 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2819 SEABOLD DR MISSOURI CITY TX 774594883, MISSOURI CITY, TX 77459-4883

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of December 10, 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	$624.00 (-91.22%) Homeowner's exemption Veteran's exemption	$475,660 (+5.98%)	$636,673 (+3.94%) Land $226,680 Building $409,993
2023	$7,105.00 (+4.9%) Senior Citizen's exemption	$448,800 (+3%)	$612,543 (+10.61%) Land $189,120 Building $423,423
2022	$6,773.00 Senior Citizen's exemption	$435,730	$553,763 Land $186,880 Building $366,883

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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	Hurricane Irma, Sep 2017 · 3 claims Hurricane Matthew, Oct 2016 · 7 claims

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	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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