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323 E Peniel Rd, Palatka, FL 32177 Property Records

Putnam County property record for 323 E Peniel Rd, Palatka, FL 32177

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 2,135 sqft · built 1959
Lot Size1.21 acres (52,708 sqft)
OwnerIndividual Name on File
Last Sale$97,000 (Dec 2014)
Tax Bill$1,848 (2025)
Deeds & MortgagesJul 2021 Mortgage
Mar 2020 Line of Credit
Flood ZoneZone X (minimal risk)
APN21-10-26-0000-065.0-000.0

Property Details

APN / Parcel Number

Primary APN21-10-26-0000-065.0-000.0
Alternative APN
  • 80941

Interior

Bedrooms3 Beds
Full Baths1 Bath
Plumbing Fixtures5 Plumbing Fixtures
Building Area2,135 sqft Living Area
1st Floor Area1,430 sqft

Exterior

Year BuiltBuilt 1959
Effective Year BuiltEffective 1975
Exterior MaterialBrick
Lot Area52,708 sqft (1.21 acres)
Garage Area280 sqft
PorchPorch
Porch Area670 sqft

Location & Zoning

Account Number80941
Street Address323 E PENIEL RD
CityPALATKA
StateFL
Zip32177-8463
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPT OF SW1/4 OF SW1/4 OR31 P589
Legal Range26E
Legal Township10S
Legal Section21
JurisdictionPUTNAM FL
Township / Civil DivisionINTERLACHEN-FLORAHOME
Census Block Group1
Census Block1041
Census Tract950500

Owner

323 E Peniel Rd is owned and occupied by an individual who acquired it in March 2020.

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 RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address323 E PENIEL RD, PALATKA, FL 32177-8463
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 14, 2021Deed of Trust, Mortgage · Conventional Mortgage
CAPITAL CITY HOME LOANS LLC
Mar 3, 2020Quit Claim Deed, Transfer · Line of Credit
CAPITAL CITY BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 9, 2014 · Amount on File
Deed SaleDec 9, 2014 · Amount on File
Prior SaleDec 9, 2014 · Amount on File
Deed Document Number0013951381
Deed Book / Page1395 / 1381
Last Transfer DateMar 3, 2020
Transfer Doc0015701212
Record UpdatedJun 8, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPUTNAM FL
Property Address323 E PENIEL RD, PALATKA, FL 32177-8463
Transaction TypeMortgage
Record UpdatedJul 30, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address323 E PENIEL RD, PALATKA, FL 32177-8463

Mortgage

Document Number0016270686
DateJul 14, 2021
Book Page1627/686
Instrument202154015633
Lender
NameCAPITAL CITY HOME LOANS LLC
TypeMortgage Company
AddressLAWRENCEVILLE, GA 30043
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2051

March 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPUTNAM FL
Recording DateMar 3, 2020
Property Address323 E PENIEL RD, PALATKA, FL 32177-8463
Document Number0015701212
Book / Page1570 / 1212
Instrument DateFeb 24, 2020
Instrument202054004120
Transaction TypeTransfer
Record UpdatedNov 29, 2021
Title CompanyATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address191 MOTES RD, 191, PALATKA, FL 32177-1713

Transferred To (Grantee/Buyer)

NameVerified Name
Address323 E PENIEL RD, PALATKA, FL 32177-8463

Mortgage

Document Number15701214
DateMar 3, 2020
Instrument1570/1214
Lender
NameCAPITAL CITY BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount on Record
Term180 Months
DueMar 10, 2035
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

The 2025 property tax bill for 323 E Peniel Rd was $1,848 with a homeowner's exemption.

Source: Putnam County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyPutnam County
Unified School DistrictPutnam County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,848.00 Homeowner's exemption$131,230$226,740 Land $19,360 Building $207,380
2023$1,407.00 (+14.76%) Homeowner's exemption$110,930 (+9.09%)$215,630 (+26.74%) Land $14,520 Building $201,110
2022$1,226.00 Homeowner's exemption$101,690$170,130 Land $14,520 Building $155,610

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

Flood

FEMA maps place 323 E Peniel Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 14 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies14 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017 · Hurricane Irma

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 323 E Peniel Rd is moderate, ranking above 58% 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 RiskModerate
above 58% of the US · lower than 68% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

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