248 Harbor Dr, Palatka, FL 32177 Property Records

Putnam County property record for 248 Harbor Dr, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,808 sqft · built 1999
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$301,100 (May 2022)
Tax Bill	$6,127 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Sep 2021 Foreclosure + 3 more
Flood Zone	Zone X (minimal risk)
APN	`35-08-27-8150-0010-0180`

Property Details

APN / Parcel Number

Primary APN	`35-08-27-8150-0010-0180`
Alternative APN	`54027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Building Area	1,808 sqft Living Area
Gross Area	2,291 sqft
1st Floor Area	1,808 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Roof Type	Gable/Hip
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	483 sqft
Porch	Enclosed Porch
Porch Area	396 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	54027
Street Address	248 HARBOR DR
City	PALATKA
State	FL
Zip	32177-7269
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST JOHNS HARBOR S/D UNIT 1, MB4 P59 BLK 1 LOT 18
Legal Range	27E
Legal Township	08S
Legal Section	35
Legal Subdivision	ST JOHNS HARBOR SUB
Legal Block	1
Legal Lot Number	18
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	1
Census Block	1044
Census Tract	950100

Owner

248 Harbor Dr is owned by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	8310 CLINTON PARK DR, FORT WAYNE, IN 46825-3171
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
May 9, 2022	Warranty Deed, Transfer · VA Mortgage DEPARTMENT OF VETERANS AFFAIRS
Sep 24, 2021	Special Warranty Deed, Foreclosure ATTORNEY ONLY, ATTORNEY
Aug 2, 2021	Trustee's Deed, Foreclosure ATTORNEY ONLY, ATTORNEY
Jul 6, 2021	Trustee's Deed, Foreclosure ATTORNEY ONLY, ATTORNEY
Feb 16, 2017	Warranty Deed, Transfer · VA Mortgage FIRST COAST COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2022 · Amount on File
Deed Sale	May 9, 2022 · Amount on File
Prior Sale	Aug 2, 2021 · Amount on File
Deed Document Number	202211622
Deed Book / Page	1668 / 351
Prior Transfer Date	Jul 30, 2021
Prior Transfer Doc	0016291424
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	May 9, 2022
Property Address	248 HARBOR DR, PALATKA, FL 32177-7269
Document Number	0016680351
Book / Page	1668 / 351
Map Reference	PL 4 PG 58-60
Instrument Date	Mar 8, 2022
Instrument	202254011622
Transaction Type	Transfer
Record Updated	May 24, 2022
Title Company	ANCHOR TITLE & ASSOCIATES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,107.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 VERMONT AVE NW, 810, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8310 CLINTON PARK DR, FORT WAYNE, IN 46825-3171

Mortgage

Document Number	0001668353
Date	May 9, 2022
Instrument	1668/353

Lender

Name	DEPARTMENT OF VETERANS AFFAIRS
Type	Government Agency

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

September 2021: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Sep 24, 2021
Property Address	248 HARBOR DR, PALATKA, FL 32177-7269
Document Number	0016370600
Book / Page	1637 / 600
Map Reference	MB 4 PG 58-60
Instrument Date	Sep 21, 2021
Instrument	202154022019
Transaction Type	Foreclosure
Record Updated	Oct 13, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2988, FORT WORTH, TX 76113-2988

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 WEST END AVE # 760W, 760W, NASHVILLE, TN 37203-1042

August 2021: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	PUTNAM FL
Recording Date	Aug 2, 2021
Property Address	248 HARBOR DR, PALATKA, FL 32177-7269
Document Number	0016291424
Book / Page	1629 / 1424
Map Reference	MB 4 PG 58-60
Instrument Date	Jul 30, 2021
Instrument	202154017117
Transaction Type	Foreclosure
Record Updated	Aug 18, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,565.20
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1026 S MOODY RD, 1026, PALATKA, FL 32177-8302

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2021: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	PUTNAM FL
Recording Date	Jul 6, 2021
Property Address	248 HARBOR DR, PALATKA, FL 32177-7269
Document Number	0016260412
Book / Page	1626 / 412
Map Reference	MB 4 PG 58-60
Instrument Date	Jul 6, 2021
Instrument	202154014919
Transaction Type	Foreclosure
Record Updated	Jul 28, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,565.20
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name
Address	134 BARLOW LN, 134, POMONA PARK, FL 32181

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2988, FORT WORTH, TX 76113-2988

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Feb 16, 2017
Property Address	248 HARBOR DR, PALATKA, FL 32177-7269
Document Number	0014650914
Book / Page	1465 / 0914
Map Reference	MB4 PG58-60
Instrument Date	Feb 16, 2017
Instrument	201754002790
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	GULLETT TITLE INC

Transaction

Amount	Amount 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	248 HARBOR DR, 248, PALATKA, FL 32177-7269

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 HARBOR DR, PALATKA, FL 32177-7269

Mortgage

Document Number	14650916
Date	Feb 16, 2017
Instrument	1465/0916

Lender

Name	FIRST COAST COMMUNITY CU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 248 Harbor Dr was $6,127.

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	$6,127.00	$344,370 Land $61,080 Building $283,290	$344,370 Land $61,080 Building $283,290
2023	$5,756.00 (+14.39%)	$352,050 (+18.51%)	$352,050 (+18.51%) Land $61,080 Building $290,970
2022	$5,032.00	$297,060	$297,060 Land $43,630 Building $253,430

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

Flood

FEMA maps place 248 Harbor Dr in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 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	Hurricane Irma, Sep 2017 · 20 claims Hurricane Matthew, Oct 2016 · 32 claims Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 6 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

Wildfire risk around 248 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.

Internet Providers

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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Harbor Dr

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