280 Harbor Dr, Palatka, FL 32177 Property Records

Putnam County property record for 280 Harbor Dr, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	1,248 sqft · built 1960
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$137,500 (Mar 2025)
Tax Bill	$1,088 (2025)
Deeds & Mortgages	Jan 2022 Sale Sep 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`35-08-27-8150-001.0-002.0`

Property Details

APN / Parcel Number

Primary APN	`35-08-27-8150-001.0-002.0`
Alternative APN	`54015`

Interior

Building Area	1,248 sqft

Exterior

Year Built	Built 1960
Lot Area	10,454 sqft (0.239 acres)
Lot Dimensions	120 ft deep x 75 ft wide

Location & Zoning

Account Number	54015
Street Address	280 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, MB
Legal Range	27E
Legal Township	08S
Legal Section	35
Legal Subdivision	ST JOHNS HARBOR S/D
Legal Block	1
Legal Lot Number	2
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	1
Census Block	1044
Census Tract	950100

Owner

280 Harbor Dr is owned by an individual who bought it in March 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	12686 WINDY WILLOWS DR N, JACKSONVILLE, FL 32225-6110
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Warranty Deed, Transfer GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO OF PALATKA
Sep 6, 2018	Warranty Deed, Transfer · Commercial Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2025 · Amount on File
Deed Sale	Mar 11, 2025 · Amount on File
Prior Sale	Jan 19, 2022 · Amount on File
Deed Document Number	202554006462
Deed Book / Page	1800 / 1966
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Jan 19, 2022
Property Address	280 HARBOR DR, PALATKA, FL 32177-7269
Document Number	0016520862
Book / Page	1652 / 862
Map Reference	MB 4 PG 58-60
Instrument Date	Jan 14, 2022
Instrument	202254001349
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO OF PALATKA

Transaction

Amount	Amount on Record
Tax	$489.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 763, ORANGE PARK, FL 32067-0763

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1019 27TH STREET OCEAN, MARATHON, FL 33050-4207

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Sep 6, 2018
Property Address	280 HARBOR DR, PALATKA, FL 32177-7269
Document Number	0015180593
Book / Page	1518 / 0593
Map Reference	MB4 PG58-60
Instrument Date	Sep 4, 2018
Instrument	201854016643
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	GUARANTY TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7565 AGAWAM RD, 7565, SEBASTIAN, FL 32976-7716

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 763, ORANGE PARK, FL 32067-0763

Mortgage

Document Number	201854016644
Date	Sep 6, 2018
Instrument	201854016644

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 4, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 280 Harbor Dr was $1,088.

Source: Putnam County assessment roll, as of July 1, 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	$1,088.00	$64,440	$64,440 Land $57,350 Building $7,090
2023	$985.00 (+63.08%)	$60,290 (+34.64%)	$60,290 (+34.64%) Land $57,350 Building $2,940
2022	$604.00	$44,780	$44,780 Land $40,960 Building $3,820

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 280 Harbor Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective February 2, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
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 280 Harbor Dr is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% 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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 250
Starlink Satellite	280 / 30
AT&T DSL	50 / 10
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Harbor Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures