405 E Oak St, Palatka, FL 32177 Property Records

Putnam County property record for 405 E Oak St, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,227 sqft · built 1971
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$147,500 (Jun 2022)
Tax Bill	$1,690 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jul 2017 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-10-26-7200-006.0-003.0`

Property Details

APN / Parcel Number

Primary APN	`01-10-26-7200-006.0-003.0`
Alternative APN	`49324`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Building Area	1,227 sqft Living Area
1st Floor Area	1,206 sqft
Flooring	Steel Beam

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Porch	Porch
Porch Area	85 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	49324
Street Address	405 E OAK ST
City	PALATKA
State	FL
Zip	32177-8134
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINEHURST MB3 P61 BLK 6 LOT 3
Legal Range	26E
Legal Township	10S
Legal Section	01
Legal Subdivision	PINEHURST
Legal Block	6
Legal Lot Number	3
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	1
Census Block	1057
Census Tract	950700

Owner

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 Record
Mailing Address	405 E OAK ST, PALATKA, FL 32177-8134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Warranty Deed, Transfer · Conventional Mortgage CAPSTONE DIRECT INC
Jul 6, 2017	Quit Claim Deed, Transfer Quitclaim
May 9, 2017	Grant Deed, Transfer PREMIUM TITLE INC, PREMIER TITLE SERVICES INC
Mar 20, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2022 · Amount on Record
Deed Sale	Jun 27, 2022 · Amount on Record
Prior Sale	Jul 6, 2017
Deed Document Number	202254015907
Deed Book / Page	1674 / 1258
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Jun 27, 2022
Property Address	405 E OAK ST, PALATKA, FL 32177-8134
Document Number	0016741258
Book / Page	1674 / 1258
Map Reference	MB 3 PG 61
Instrument Date	Jun 17, 2022
Instrument	202254015907
Transaction Type	Transfer
Record Updated	Jul 8, 2022
Title Company	AGENT'S CHOICE TITLE LLC, AGENTS CHOICE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,032.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	389 PALM COAST PKWY SW UNIT 2, 389, PALM COAST, FL 32137-4772

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E OAK ST, PALATKA, FL 32177-8134

Mortgage

Document Number	0016741259
Date	Jun 27, 2022
Instrument	1674/1259

Lender

Name	CAPSTONE DIRECT INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM FL
Recording Date	Jul 6, 2017
Property Address	405 E OAK ST, PALATKA, FL 32177-8134
Document Number	0014781569
Book / Page	001478 / 001569
Instrument Date	Jul 5, 2017
Instrument	54012185
Transaction Type	Transfer
Record Updated	Jul 21, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 351473 PALM COAST FL 321351473, PALM COAST, FL 32135-1473

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PUTNAM FL
Recording Date	May 9, 2017
Property Address	405 E OAK ST, PALATKA, FL 32177-8134
Document Number	0014730185
Book / Page	001473 / 000185
Instrument Date	Apr 24, 2017
Instrument	54008288
Transaction Type	Transfer
Record Updated	Jun 19, 2017
Title Company	PREMIUM TITLE INC, PREMIER TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$258.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 351473 PALM COAST FL 321351473, PALM COAST, FL 32135-1473

March 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	PUTNAM FL
Recording Date	Mar 20, 2017
Property Address	405 E OAK ST, PALATKA, FL 32177-8134
Document Number	0014680696
Book / Page	001468 / 000696
Instrument Date	Mar 17, 2017
Instrument	54004867
Transaction Type	Foreclosure
Record Updated	Apr 20, 2017

Transaction

Amount	Amount Recorded
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5720 PREMIER PARK DR WEST PALM BEACH FL 334071610, WEST PALM BEACH, FL 33407-1610

Tax Assessment & Valuation

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	$1,690.00 (+3.55%) Homeowner's exemption	$121,920 (-2.25%)	$121,920 (-2.25%) Land $5,150 Building $116,770
2023	$1,632.00 (+56.92%) Homeowner's exemption	$124,730 (+127.4%)	$124,730 (+127.4%) Land $3,860 Building $120,870
2022	$1,040.00	$54,850	$54,850 Land $3,090 Building $51,760

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

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 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% 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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