Putnam County property record for 261 W River Rd, Palatka, FL 32177
| Property Type | Single Family Home |
|---|---|
| Details | 3,105 sqft · built 2020 |
| Lot Size | 1.68 acres (73,181 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,000 (Nov 2013) |
| Tax Bill | $2,107 (2025) |
| Deeds & Mortgages | Nov 2022 Sale Mar 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-09-27-0700-0000-0460 |
| Primary APN | 18-09-27-0700-0000-0460 |
|---|---|
| Alternative APN |
|
| Building Area | 3,105 sqft Living Area |
|---|
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Construction Type | Wood |
| Lot Area | 73,181 sqft (1.68 acres) |
| Lot Dimensions | 733 ft deep x 100 ft wide |
| Account Number | 2134 |
|---|---|
| Street Address | 261 W RIVER RD |
| City | PALATKA |
| State | FL |
| Zip | 32177-8006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BODINE + POWERS S/D MB4 P7, LOT 46 BK212 P27 |
| Legal Range | 27E |
| Legal Township | 09S |
| Legal Section | 18 |
| Legal Subdivision | BODINE & POWERS SUB |
| Legal Lot Number | 46 |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | PALATKA |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 950100 |
Source: Putnam County records · APN 18-09-27-0700-0000-0460
Assessment roll updated December 10, 2025 · Last verified April 2026
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 | 261 W RIVER RD, PALATKA, FL 32177-8006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 02, 2022 | Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Mar 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL CITY BANK |
| Mar 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL CITY BANK |
| Jul 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 06, 2013 · Amount on Record |
| Deed Sale | Nov 06, 2013 · Amount on Record |
| Deed Document Number | 2013783974 |
| Deed Book / Page | 1363 / 337 |
| Prior Transfer Date | Jul 18, 2005 |
| Prior Transfer Doc | 0010491202 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PUTNAM FL |
| Recording Date | Nov 02, 2022 |
| Property Address | 261 W RIVER RD, PALATKA, FL 32177-8006 |
| Document Number | 0016890677 |
| Book / Page | 1689 / 677 |
| Instrument Date | Nov 01, 2022 |
| Instrument | 202254026367 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 261 W RIVER RD, PALATKA, FL 32177-8006 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 261 W RIVER RD, PALATKA, FL 32177-8006 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 261 W RIVER RD, PALATKA, FL 32177-8006 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0015720288 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 1572/288 |
| Instrument | 202054005074 |
| Name | CAPITAL CITY BANK |
|---|---|
| Type | Bank |
| Address | TALLAHASSEE, FL 32308 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Apr 01, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 6% |
| Index | 1-Year CMT |
| Max Rate | 10% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 261 W RIVER RD, PALATKA, FL 32177-8006 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0015730578 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 1573/578 |
| Instrument | 202054005868 |
| Name | CAPITAL CITY BANK |
|---|---|
| Type | Bank |
| Address | TALLAHASSEE, FL 32308 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Apr 01, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 6% |
| Index | 1-Year CMT |
| Max Rate | 10% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 261 W RIVER RD, PALATKA, FL 32177-8006 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 261 W RIVER RD, PALATKA, FL 32177-8006 |
| Document Number | 0016281697 |
|---|---|
| Date | Jul 26, 2021 |
| Book Page | 1628/1697 |
| Instrument | 202154016585 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 316 Months |
| Due | Nov 05, 2047 |
Source: Putnam County records · Assessment roll updated December 10, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Putnam County |
| Unified School District | Putnam County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,107.00 (+12.92%) Homeowner's exemption | $487,710 (+5.98%) | $665,280 (+2.93%) Land $198,360 Building $466,920 |
| 2023 | $1,866.00 (+9.38%) Homeowner's exemption | $460,170 (+3%) | $646,320 (+12.25%) Land $167,040 Building $479,280 |
| 2022 | $1,706.00 Homeowner's exemption | $446,770 | $575,780 Land $167,040 Building $408,740 |
Source: FEMA National Flood Hazard Layer, Putnam County (12107C), updated February 2, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121079501002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 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 |
|
| Wildfire Risk | Moderate above 59% of the US · lower than 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 27 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
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