307 Pearl St, Melrose, FL 32666 Property Records

Putnam County property record for 307 Pearl St, Melrose, FL 32666

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,200 sqft · built 1920
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on File
Last Sale	$54,800 (Mar 2019)
Tax Bill	$1,473 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-09-23-5670-0000-0640`

Property Details

APN / Parcel Number

Primary APN	`18-09-23-5670-0000-0640`
Alternative APN	`39848`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Flooring	Wood

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood Siding/Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Lot Area	40,511 sqft (0.93 acres)
Lot Dimensions	150 ft deep x 250 ft wide
Porch	Finished/Screened Porch
Porch Area	418 sqft
Deck Area	20 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	39848
Street Address	307 PEARL ST
City	MELROSE
State	FL
Zip	32666-4113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MELROSE MB2 P54 LOTS 64 + 65, + PT OF SEC BK177 P557, (EX BK240 PP119 121), (MAP SHEET 13/18A)
Legal Range	23E
Legal Township	09S
Legal Section	18
Legal Subdivision	MELROSE
Legal Lot Number	64
Jurisdiction	PUTNAM FL
Township / Civil Division	INTERLACHEN-FLORAHOME
Census Block Group	4
Census Block	4045
Census Tract	950300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Melrose Historic District listed 1990 · 66 contributing resources · NRIS 89002305

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

307 Pearl St is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 921, MELROSE, FL 32666-0921
Occupancy	Owner Occupied
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
Sep 21, 2021	Deed of Trust, Mortgage · Line of Credit CAMPUS USA CU
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAMPUS USA CU
Nov 14, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BBVA USA
Oct 24, 2019	Deed of Trust, Mortgage · Line of Credit BBVA USA
Mar 11, 2019	Warranty Deed, Transfer · Conventional Mortgage COMPASS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2019 · Amount on File
Deed Sale	Mar 11, 2019 · Amount on File
Deed Document Number	20194286
Deed Book / Page	1535 / 1818
Prior Transfer Date	Mar 8, 2019
Prior Transfer Doc	0015351818
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	307 PEARL ST, MELROSE, FL 32666-4113
Transaction Type	Mortgage
Record Updated	Oct 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 921, MELROSE, FL 32666-0921

Mortgage

Document Number	0016361501
Date	Sep 21, 2021
Book Page	1636/1501
Instrument	202154021669

Lender

Name	CAMPUS USA CU
Type	Credit Union
Address	NEWBERRY, FL 32669

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 13, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	307 PEARL ST, MELROSE, FL 32666-4113
Transaction Type	Mortgage
Record Updated	Oct 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 921, MELROSE, FL 32666-0921

Mortgage

Document Number	0016360664
Date	Sep 20, 2021
Book Page	1636/664
Instrument	202154021457

Lender

Name	CAMPUS USA CU
Type	Credit Union
Address	NEWBERRY, FL 32669

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	307 PEARL ST, MELROSE, FL 32666-4113
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015600409
Date	Nov 14, 2019
Book Page	1560/0409
Instrument	201954020393

Lender

Name	BBVA USA
Type	Bank
Address	KEYSTONE HEIGHTS, FL 32656

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Oct 28, 2034

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	307 PEARL ST, MELROSE, FL 32666-4113
Document Number	0015600407
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Dec 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 PEARL ST MELROSE FL 326664113, MELROSE, FL 32666-4113

Mortgage

Document Number	0015600407
Date	Nov 14, 2019
Book Page	001560/000407
Instrument	54020392

Lender

Name	BBVA USA
Address	KENNESAW, GA 30156

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Mar 11, 2019
Property Address	307 PEARL ST, MELROSE, FL 32666-4113
Document Number	0015351818
Book / Page	1535 / 1818
Map Reference	MB 2 PG 54
Instrument Date	Mar 8, 2019
Instrument	201954004286
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$383.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6538 CONNIE DE ST, 6538, KEYSTONE HEIGHTS, FL 32656-7852

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 921, MELROSE, FL 32666-0921

Mortgage

Document Number	201954004287
Date	Mar 11, 2019
Instrument	201954004287

Lender

Name	COMPASS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 307 Pearl St was $1,473 with exemptions applied.

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	$1,473.00 Homeowner's exemption Disabled Person's exemption	$114,030	$143,930 Land $53,000 Building $90,930
2023	$1,667.00 (+8.81%) Homeowner's exemption	$128,970 (+6.79%)	$152,920 (+12.46%) Land $53,000 Building $99,920
2022	$1,532.00 Homeowner's exemption	$120,770	$135,980 Land $53,000 Building $82,980

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

Flood

FEMA maps place 307 Pearl St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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
Flood Insurance Cost	Premium on File median of 21 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	2 (2017–2024)
Most Recent Claim	Sep 2024 · rainfall accumulation

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 307 Pearl St is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MELROSE WTP private · serves 1,300 people · EPA ID FL2544255
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

Nearby Properties on Pearl St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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