305 E Lake St, Palatka, FL 32177 Property Records

Putnam County property record for 305 E Lake St, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 984 sqft · built 1994
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$65,000 (Nov 2023)
Tax Bill	$326 (2025)
Deeds & Mortgages	Nov 2023 Sale Oct 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-10-26-7200-0150-0010`

Property Details

APN / Parcel Number

Primary APN	`01-10-26-7200-0150-0010`
Alternative APN	`49399`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Building Area	984 sqft Living Area
1st Floor Area	984 sqft
Flooring	Wood

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Stucco/Wood
Roof Type	Gable/Hip
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	100 ft deep x 150 ft wide
Porch	Unfinished Open Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	49399
Street Address	305 E LAKE ST
City	PALATKA
State	FL
Zip	32177-8102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINEHURST MB3 P61, BLK 15 LOTS 1 2 3
Legal Range	26E
Legal Township	10S
Legal Section	01
Legal Subdivision	PINEHURST
Legal Block	15
Legal Lot Number	1
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	1
Census Block	1083
Census Tract	950700

Owner

Source: Putnam County records, as of October 19, 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 Record
Mailing Address	305 E LAKE ST, PALATKA, FL 32177-8102
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2023	Warranty Deed, Transfer PALATKA ABSTRACT AND TITLE GUARA, PALATKA ABSTRACT & TTL INS I
Oct 2, 2020	Deed of Trust, Mortgage · Commercial Mortgage QUEENSBOROUGH NATIONAL BANK AND TRUST CO
Nov 23, 2021	Deed of Trust, Mortgage QUEENSBOROUGH NATIONAL BANK & TRUST CO
Jun 3, 2020	Warranty Deed, Transfer GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO/PALATKA
Aug 8, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2023 · Amount on Record
Deed Sale	Nov 16, 2023 · Amount on Record
Prior Sale	Jun 3, 2020 · Amount on Record
Deed Document Number	202325823
Deed Book / Page	1733 / 338
Prior Transfer Date	Aug 8, 2016
Prior Transfer Doc	0014471414
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Nov 16, 2023
Property Address	305 E LAKE ST, PALATKA, FL 32177-8102
Document Number	0017330338
Book / Page	1733 / 338
Map Reference	MB 3 PG 61
Instrument Date	Nov 9, 2023
Instrument	202354025823
Transaction Type	Transfer
Record Updated	Dec 18, 2023
Title Company	PALATKA ABSTRACT AND TITLE GUARA, PALATKA ABSTRACT & TTL INS I

Transaction

Amount	Amount Recorded
Tax	$455.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1205, PALATKA, FL 32178-1205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11505 CHERRY TREE CROSSING RD UNIT 321, 321, CHELTENHAM, MD 20623-7513

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	305 E LAKE ST, PALATKA, FL 32177-8102
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015911057
Date	Oct 2, 2020
Book Page	1591/1057
Instrument	202054017556

Lender

Name	QUEENSBOROUGH NATIONAL BANK AND TRUST CO
Type	Non-Lending Institution
Address	HEPHZIBAH, GA 30815

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Sep 30, 2027

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	305 E LAKE ST, PALATKA, FL 32177-8102
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016450716
Date	Nov 23, 2021
Book Page	1645/716
Instrument	202154027178

Lender

Name	QUEENSBOROUGH NATIONAL BANK & TRUST CO
Type	Bank
Address	HEPHZIBAH, GA 30815

Agreement

Amount	Amount Recorded
Term	35 Months
Due	Oct 23, 2024

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Jun 3, 2020
Property Address	305 E LAKE ST, PALATKA, FL 32177-8102
Document Number	0015781031
Book / Page	001578 / 001031
Instrument Date	May 8, 2020
Instrument	54009235
Transaction Type	Transfer
Record Updated	Jul 15, 2020
Title Company	GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO/PALATKA

Transaction

Amount	Amount Recorded
Tax	$209.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1205 PALATKA FL 321781205, PALATKA, FL 32178-1205

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM FL
Recording Date	Aug 8, 2017
Property Address	305 E LAKE ST, PALATKA, FL 32177-8102
Document Number	0014811141
Book / Page	001481 / 001141
Instrument Date	Aug 8, 2017
Instrument	54014178
Transaction Type	Transfer
Record Updated	Aug 25, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	2208 NOVELLA LN APOPKA FL 32712, APOPKA, FL 32712

Tax Assessment & Valuation

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	$326.00 (-70.6%)	$57,680 (+0.65%) Land $13,500 Building $44,180	$57,680 (+0.65%) Land $13,500 Building $44,180
2023	$1,109.00 (+10.9%)	$57,310 (+16.86%)	$57,310 (+16.86%) Land $10,130 Building $47,180
2022	$1,000.00	$49,040	$49,040 Land $8,100 Building $40,940

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (2016–2017)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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