2313 Prosper St, Palatka, FL 32177 Property Records

Putnam County property record for 2313 Prosper St, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,489 sqft · built 1974
Lot Size	0.319 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$132,500 (Feb 2020)
Tax Bill	$2,358 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage Jun 2019 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-10-26-7430-002.0-005.0`

Property Details

APN / Parcel Number

Primary APN	`12-10-26-7430-002.0-005.0`
Alternative APN	`50509`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	8 Plumbing Fixtures
Building Area	1,489 sqft Living Area
1st Floor Area	1,225 sqft
Flooring	Steel Beam

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Lot Area	13,939 sqft (0.319 acres)
Lot Dimensions	150 ft deep x 82 ft wide
Porch	Porch
Porch Area	528 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	50509
Street Address	2313 PROSPER ST
City	PALATKA
State	FL
Zip	32177-5547
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPER ST S/D MB5 P40 BLK B L
Legal Range	26E
Legal Township	10S
Legal Section	12
Legal Subdivision	PROSPER ST S/D
Legal Block	B
Legal Lot Number	5
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	1
Census Block	1006
Census Tract	950900

Owner

2313 Prosper St is owned and occupied by an individual who bought it in February 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2313 POPER ST, PALATKA, FL 32177
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

Date	Document
Feb 24, 2020	Warranty Deed, Transfer · FHA Mortgage AMERIS BANK
Jun 10, 2019	Warranty Deed, Transfer · Construction Mortgage LIGHTHOUSE CAP VENTURES LLC
May 4, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2020 · Amount on File
Deed Sale	Feb 24, 2020 · Amount on File
Prior Sale	Jun 10, 2019 · Amount on File
Deed Document Number	202054003467
Deed Book / Page	1569 / 1470
Record Updated	Jun 8, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Feb 24, 2020
Property Address	2313 PROSPER ST, PALATKA, FL 32177-5547
Document Number	0015691470
Book / Page	1569 / 1470
Map Reference	MB 1 PG 23
Instrument Date	Feb 20, 2020
Instrument	202054003467
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	GUARANTY TITLE CO OF PALATKA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$927.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	138 CYPRESS DR, 138, EAST PALATKA, FL 32131-4179

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2313 PROSPER ST, PALATKA, FL 32177-5547

Mortgage

Document Number	15691472
Date	Feb 24, 2020
Instrument	1569/1472

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Jun 10, 2019
Property Address	2313 PROSPER ST, PALATKA, FL 32177-5547
Document Number	0015441690
Book / Page	001544 / 001690
Instrument Date	Jun 5, 2019
Instrument	54010233
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	GUARANTY TITLE COMPANY, GUARANTY TITLE CO.

Transaction

Amount	Amount on Record
Tax	$192.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 CYPRESS DR EAST PALATKA FL 321314179, EAST PALATKA, FL 32131-4179

Mortgage

Document Number	15441692
Date	Jun 10, 2019
Book Page	001544/001692
Instrument	54010234

Lender

Name	LIGHTHOUSE CAP VENTURES LLC
Address	SAINT AUGUSTINE, FL 32080-4630

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 9, 2020

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM FL
Recording Date	May 4, 2018
Property Address	2313 PROSPER ST, PALATKA, FL 32177-5547
Document Number	0015051902
Book / Page	001505 / 001902
Instrument Date	May 4, 2018
Instrument	54008400
Transaction Type	Transfer
Record Updated	Jun 7, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2313 PROSPER ST PALATKA FL 321775547, PALATKA, FL 32177-5547

Tax Assessment & Valuation

The 2025 property tax bill for 2313 Prosper St was $2,358 with a homeowner's exemption.

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	$2,358.00 Homeowner's exemption	$144,270	$157,310 Land $19,920 Building $137,390
2023	$2,612.00 (+7.89%) Homeowner's exemption	$136,130 (+3%)	$152,700 (+15.53%) Land $9,960 Building $142,740
2022	$2,421.00 Homeowner's exemption	$132,170	$132,170 Land $9,960 Building $122,210

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

Flood

FEMA maps place 2313 Prosper St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1991.

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

Wildfire risk around 2313 Prosper St is low, with a 0.02% annual chance of 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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