Putnam County property record for 265 W River Rd, Palatka, FL 32177
| Property Type | Single Family Home |
|---|---|
| Details | 1,925 sqft · built 1953 |
| Lot Size | 1.57 acres (68,389 sqft) |
| Owner | Individual on Record |
| Last Sale | $275,000 (Apr 2019) |
| Tax Bill | $4,604 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Jul 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-09-27-0700-000.0-044.0 |
| Primary APN | 18-09-27-0700-000.0-044.0 |
|---|---|
| Alternative APN |
|
| Building Area | 1,925 sqft Living Area |
|---|
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1980 |
| Lot Area | 68,389 sqft (1.57 acres) |
| Account Number | 100095 |
|---|---|
| Street Address | 265 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 |
| Legal Range | 27E |
| Legal Township | 09S |
| Legal Section | 18 |
| Legal Subdivision | BODINE + POWERS S/D |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | PALATKA |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 950100 |
Source: Putnam County assessment roll, as of July 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 265 W RIVER RD, PALATKA, FL 32177-8006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2023 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA |
| Jul 17, 2020 | Deed of Trust, Mortgage · Line of Credit CENTERSTATE BANK NA |
| Apr 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTERSTATE BANK NA |
| Apr 15, 2019 | Warranty Deed, Transfer · Conventional Mortgage CENTERSTATE BANK OF FLORIDA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2019 · Amount on Record |
| Deed Sale | Apr 15, 2019 · Amount on Record |
| Prior Sale | Sep 20, 2013 · Amount on Record |
| Deed Document Number | 201954006468 |
| Deed Book / Page | 1539 / 0001 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 265 W RIVER RD, PALATKA, FL 32177-8006 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 265 W RIVER RD, PALATKA, FL 32177-8006 |
| Document Number | 0017250920 |
|---|---|
| Date | Sep 21, 2023 |
| Book Page | 1725/920 |
| Instrument | 202354020809 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 20, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 265 W RIVER RD, PALATKA, FL 32177-8006 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0015821813 |
|---|---|
| Date | Jul 17, 2020 |
| Book Page | 1582/1813 |
| Instrument | 202054012133 |
| Name | CENTERSTATE BANK NA |
|---|---|
| Type | Bank |
| Address | PALATKA, FL 32177 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jun 8, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 265 W RIVER RD, PALATKA, FL 32177-8006 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0015750218 |
|---|---|
| Date | Apr 23, 2020 |
| Book Page | 1575/218 |
| Instrument | 202054007035 |
| Name | CENTERSTATE BANK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33881 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PUTNAM FL |
| Recording Date | Apr 15, 2019 |
| Property Address | 265 W RIVER RD, PALATKA, FL 32177-8006 |
| Document Number | 0015390001 |
| Book / Page | 1539 / 0001 |
| Map Reference | MB 4 PG 7 |
| Instrument Date | Apr 12, 2019 |
| Instrument | 201954006468 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2021 |
| Title Company | GUARANTY TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,925.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 267 W RIVER RD, 267, PALATKA, FL 32177-8006 |
| Name | Verified Name |
|---|---|
| Address | 267 W RIVER RD, PALATKA, FL 32177-8006 |
| Document Number | 201954006469 |
|---|---|
| Date | Apr 15, 2019 |
| Instrument | 201954006469 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
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 | $4,604.00 (+32.3%) Homeowner's exemption | $294,450 (+23.87%) | $395,220 (+18.93%) Land $220,400 Building $174,820 |
| 2023 | $3,480.00 (+5.45%) Homeowner's exemption | $237,700 (+3%) | $332,320 (+6.27%) Land $185,600 Building $146,720 |
| 2022 | $3,300.00 Homeowner's exemption | $230,780 | $312,710 Land $185,600 Building $127,110 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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: 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 | 0.06% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
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