Putnam County property record for 233 Harbor Dr, Palatka, FL 32177
| Property Type | Single Family Home |
|---|---|
| Details | 1,745 sqft · built 2008 |
| Lot Size | 0.239 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $305,000 (Aug 2022) |
| Tax Bill | $3,612 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-08-27-8150-005.0-115.0 |
| Primary APN | 35-08-27-8150-005.0-115.0 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 12 Plumbing Fixtures |
|---|---|
| Building Area | 1,745 sqft Living Area |
| 1st Floor Area | 1,392 sqft |
| Flooring | Steel Beam |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Stucco |
| Lot Area | 10,454 sqft (0.239 acres) |
| Lot Dimensions | 120 ft deep x 120 ft wide |
| Garage Area | 500 sqft |
| Porch | Porch |
| Porch Area | 45 sqft |
| Deck Area | 80 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 54102 |
|---|---|
| Street Address | 233 HARBOR DR |
| City | PALATKA |
| State | FL |
| Zip | 32177-7265 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ST JOHNS HARBOR S/D UNIT 1, MB |
| Legal Range | 27E |
| Legal Township | 08S |
| Legal Section | 35 |
| Legal Subdivision | ST JOHNS HARBOR S/D |
| Legal Block | 5 |
| Legal Lot Number | 115 |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | PALATKA |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 950100 |
233 Harbor Dr is owned and occupied by an individual who bought it in August 2022.
Source: Putnam County records, as of January 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 233 HARBOR DR, PALATKA, FL 32177-7265 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 8, 2022 · Amount on File |
| Deed Sale | Aug 8, 2022 · Amount on File |
| Prior Sale | Jan 25, 2007 · Amount on File |
| Deed Document Number | 202254019526 |
| Deed Book / Page | 1679 / 1496 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PUTNAM FL |
| Recording Date | Aug 8, 2022 |
| Property Address | 233 HARBOR DR, PALATKA, FL 32177-7265 |
| Document Number | 0016791496 |
| Book / Page | 1679 / 1496 |
| Map Reference | MB 4 PG 58-60 |
| Instrument Date | Aug 5, 2022 |
| Instrument | 202254019526 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,135.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 233 HARBOR DR, 233, PALATKA, FL 32177-7265 |
| Name | Verified Name |
|---|---|
| Address | 233 HARBOR DR, PALATKA, FL 32177-7265 |
| Document Number | 0016791497 |
|---|---|
| Date | Aug 8, 2022 |
| Instrument | 1679/1497 |
| Name | KIND LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
The 2025 property tax bill for 233 Harbor Dr was $3,612 with a homeowner's exemption.
Source: Putnam County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Putnam County |
| Unified School District | Putnam County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,612.00 Homeowner's exemption | $235,720 | $235,720 Land $11,640 Building $224,080 |
| 2023 | $3,487.00 (+149.96%) Homeowner's exemption | $238,140 (+112.26%) | $238,140 (+21.15%) Land $6,980 Building $231,160 |
| 2022 | $1,395.00 Homeowner's exemption | $112,190 | $196,570 Land $6,980 Building $189,590 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 233 Harbor Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 108 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 108 in force |
| Nearby Flood Claims | 76 (1999–2024) |
| Claims Outside the SFHA | 8 of 76 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 risk around 233 Harbor Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 111 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
5G and 4G LTE (outdoors only)
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